vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Employer name ] [ Street Address ] [ City, State Zip Code ] [ Date ] Subject : Proof of Income Letter for [ Name of employee ] Dear [ Name of landlord or apartment community ], Please accept this letter as proof of income and verification of employment for [ name of employee ] at [ name of employer ]. [ Name of employee ] joined our team in [ month and year of employment start ], and currently holds the position of [ job title ]. [ Employee name ] is a [ full-time/part-time ] employee who earns XXXX [ dollar amount ] per [ week/month/quarter/year ]. 

Please feel free investigate the information that is not correct And proof of payment from the past due date and time that I got a agreement with the company striking This off my records I don't know what This is

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 2024-02-20 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: PA

Complaint narrative:
I am in disagreement with the account in question being reported by XXXX XXXX, which still appears on my credit report, even after your investigation upon my request. XXXX XXXX responded to the inquiry, however I would like this item immediately re-investigated. The reporting details are incomplete and inaccurate. These inaccuracies are negatively effecting my credit score. 

XXXX XXXX - Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account in question, so I may follow up. Please send an updated copy of my credit report after your reinvestigation.

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 2024-02-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 I called Bank Of America XXXX prepaid debit card customer service to inquire about a card I had never received after being approved for unemployment and was informed that someone had been using my account without my knowledge or authorization and about {$56000.00} roughly what stolen from my account and whoever was using my account, then filed claims to dispute the usage prior to XX/XX/XXXX. I have submitted both police reports and identity that report with the FTC. I have submitted my identification card, a photocopy, and the bank is still denying my claims saying I use the account or authorize somebody to use the account which is no idea somebody using the card or account they have not provided any ATM footage to show it with me. They say that the card I had told him I hadnt received was activated successfully with my credentials..

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 monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
They contacted my relatives looking for me, I thought they were debt collectors not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I rented a car using my Barclays AAdvantage Red Mastercard ( XXXX, DE ). The original transaction with XXXX XXXX XXXX XXXX XXXX XXXX occurred in XX/XX/XXXX. 
On XX/XX/XXXX, an amount of {$16.00}, XXXX appeared on my credit card statement. It was listed as generated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the transaction with Barclays as I had not authorized the transaction. I contacted XXXX XXXX XXXX XXXX XXXX XXXX and informed them of the amount. Their resolution department stated that the amount charged to me was fraudulent and I needed to contact Barclays and initiate chargeback procedures. I contacted Barclays fraud department and the amount was removed from my credit card. It was then charged again on XX/XX/XXXX. The full amount is due on 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 explanation
Consumer complaint received 2024-02-20 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: TX

Complaint narrative:
XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
Ive reached out to Experian, XXXX, and XXXX in writing requesting the process by which they verify public information that they are reporting on my name. I still have not received any response. The request I have made to them is below : PLEASE SHOW ME VERIFICATION THAT FOR ALL THE INFORMATION REPORTED ON MY CREDIT IS BEING TAKEN FROM THE ORIGINAL SOURCE. ANY THIRD PARTY INSTITUTE OR SOFTWARE IS NOT SUFFICIENT TO PROVE VERIFICATION. THE COURT ALSO DOES NOT RECEIVE ANY DATA FROM YOUR COMPANY SO I NEED PROOF OF VERIFICATION THAT YOU ARE USING THE CORRECT SOURCE. 


Experian XXXX  XXXX : Bankruptcy Original filing date : XX/XX/year> Reference Number : XXXX Record Type : Voluntary XXXX Court : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, 2024 Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, 2024 Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Individual Asset Amount : 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-20 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: OH

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX/DOFED XXXXXXXX Balance owned : {$0.00} XXXXDOFED XXXXXXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owned : {$0.00} XXXX XXXX Balance Owned : {$0.00} XXXX XXXXBalance Owned : {$0.00} 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 non-monetary relief
Consumer complaint received 2024-02-20 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: OH

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXX Balance Owned : {$0.00} XXXX XXXX Balance Owned : {$0.00} XXXX XXXX Owned : {$0.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/AMAZON fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). SYNCB/AMAZON is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-20 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2024-02-20 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/24 I made a cash deposit of {$5000.00}, however only {$1000.00} reflected deposit. I contacted Huntington and they advised they were aware of this particular ATM issues and a technician was currently en route and gave me a {$1000.00} credit though I needed my full cash deposit available. The agent assured me any fees or costs to me that Huntington would reimburse due to the error being on them and not me as a customer. I thanked her and concluded the call after she created my ticket for the error. However days had gone by and I still had not heard back and my funds were not in my account still and it was time for me to pay my remaining balance on a house I was to move into. Trying my best to explain this to both Huntington and the property owner the owner agreed to give me a 24 hr extension, however Huntington didn't make my funds available in time so I loss my partial deposit on the property of {$3500.00} and Huntington needs to reimburse me for it and they're giving me issues now that it's time to do so as I was promised. Though this has costs me and my family over the {$3500.00} I am only asking for my deposit to be reimbursed while I locate another property again due to their negligence and untimely resolve. Though Huntington provided me a letter owning their error they think its fair to not pay me what it costs me due to their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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 appreciate the attention given to rectifying the fraudulent entries within my file resulting from alleged illicit activities. However, notwithstanding your efforts, there remain outstanding items necessitating removal. This communication marks my secondary attempt to address the repercussions of fraudulent activity, seeking to dispute specific entries stemming from said criminal conduct. The disputed items do not correlate with any legitimate transactions or authorized actions on my part, pertaining to the acquisition of goods, services, or financial assets. Regarding the entries within my credit file attributed to the alleged fraudulent activity : 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 {$560.00}. These aforementioned entries are entirely unfamiliar to me. Furthermore, discrepancies exist in the information provided, with instances of data deletion by other bureaus, casting doubt upon their accuracy. The reported payment histories of certain accounts remain shrouded in mystery. Pursuant to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I am within my rights to request the removal of such questionable entries.

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