vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: GA

Complaint narrative:
I XXXX XXXX have some unauthorized inquiries appearing on my credit report. I have attached a FTC report and supporting documents. 

I did not authorize these inquiries. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date Of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX 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 explanation
Consumer complaint received 2023-09-04 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: GA

Complaint narrative:
I XXXX XXXX have some unauthorized inquiries appearing on my credit report. I have attached a FTC report and supporting documents. 

I did not authorize these inquiries. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I asked Citibank to close my accounts and return me my money and they refuse to do so. They say my accounts were compromised and I dont believe they were. The dates are XXXX to XXXX, 2023. The amounts are : {$280.00}, {$980.00} and {$1000.00}. I have given Citibank employees security words and SS #. They dont allow me to access any mobile app and do not answer my mail requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: SC

Complaint narrative:
Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with Equifax, XXXX, and XXXX by the following companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX  XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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, XXXX, AND XXXX 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. 



UNAUTHORIZED INQUIRIES : Experian 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 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 2023-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: UT

Complaint narrative:
XXXX. I can not afford to pay a monthly amount of ~ {$800.00} toward my student loans, and I need to change my repayment plan from XXXX to Extended Fixed Repayment plan. 
XXXX. I was approved for the borrower defense student loan discharge. I need to confirm how much of my loans will be discharged and how long that process will take. So far I only see about half the amount removed from my total loan balances. 
XXXX. I am currently in school full-time this semester, half-time next semester, and am on track to graduate next XXXX. I need to know if I can be placed on in-school deferment during the time I am enrolled in school. 

First, I had to wait until 2 weeks ago to make the first contact to customer support because they were in the process of moving my balance from one servicer to another and all I could see was a {$0.00} balance and no monthly payment information. Finally, I was able to see my balance and monthly payment info on their website as of XXXX. 

Their website says I must contact customer service through phone call, email or chat. I tried their online chat service, but I only get an error message that states the chat service is down. I emailed them twice within the past 2 weeks and have not received any replies. I have called multiple times at different times of the day only to get an automatic message saying my hold times would be 6+ hours each time. I have tried every way possible to contact their customer support but can not get through. I need someone to contact me regarding the 3 issues I listed above before my first payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: SC

Complaint narrative:
I tried to communicate this matter with to get this account remove from my report in XXXX XXXX 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX  XXXX, self XXXX, performance on my job and my duties as a mother. I also have done an XXXX  report which will be updated along with this complaint. I have been delt with unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: 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.

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 2023-09-04 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: 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.

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 2023-09-04 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: NC

Complaint narrative:
i lost my wallet cantaining my social sercuity card and my ID and i was a vitcim of idenity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: NC

Complaint narrative:
i lost my wallet cantaining my social sercuity card and my ID and i was a vitcim of idenity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: 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.

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 2023-09-04 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I first contacted Venmo on XX/XX/2023 and asked them to help with my account because I was getting an error code. They told me to Waite 24 hours and it would work I waited more than 2 weeks and it has still not worked. Ive asked them if there was an outage they said no but another representative there said there was. I have funds in my account that I cant access and they basically told me theres nothing they can do for me and all I can do is Waite and see if one day that it might work. The money on the account was used for bills and such and now Im over drafted and have late fees and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Accounts with capital one is showing accounts is closed and charge off. While account is charge off and closed, capital one is still reporting a balance of {$790.00} of an intital {$400.00} debt, and second account reporting {$510.00} of {$300.00} credit limit. 
I demand the account to be closed at a zero balance since that account is charge off.

Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: SC

Complaint narrative:
Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with XXXX, TransUnion, and XXXX by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: SC

Complaint narrative:
Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with XXXX, XXXX, and Experian by the following companies : XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, 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