vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The XXXX credit card company is reporting a balance of XXXX on an charged off account. This account debt was cancelled over 5 years ago and discover still reporting this account opened with a balance. The IRS has given them the charged off tax credit and XXXX wont update my credit report and cancel the debt and show a XXXX balance. 
Actually this account is past the allowed time for reporting to the credit bureaus. Please investigate and remove asap

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 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been more than 30 days. I filed a 30 day demand to comply, with the credit bureaus and still have yet to receive a response.

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 2024-05-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been more than 30 days. I filed a 30 day demand to comply, with the credit bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-05-06 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: GA

Complaint narrative:
Equifax sent my credit report from their address XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the name of XXXX XXXX XXXX. It thanks XXXX for requesting your credit file etc and then the entries have my former name ( not my corrected name ) with full details of transactions addressed to XXXX XXXX XXXX who I do not know. How could you breach my privacy and then send a RESEARCH REQUEST FORM with confirmation number XXXX? This is unbelievable. I am a victim of identity and now have this issue with your error sending my information to XXXX XXXX XXXX.

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

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 Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection

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 2024-05-06 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: NY

Complaint narrative:
I am reaching out to bring to your attention that I have been subjected to identity theft. This letter serves as an official dispute regarding the accounts listed below. Following the instructions provided by the companies involved, I have taken the necessary steps to address this issue. I have filed an identity theft report with the XXXX and have personally reached out to each company affected to dispute the information. I kindly request your assistance in resolving this matter. 

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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Besides not providing proof snd validation of said debt, this company does not have the authority to collect debt within my state and I have never lived at the address associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I met this girl online. She approached me on XXXX XXXX. She said she had an aunt who worked for a company that did foreign exchange when the market looked good. 
She had me start off by chasing out some XXXX  that I had, the money would go to XXXX, XXXX and then send it to XXXX wallet. Once it was in the XXXX wallet, she had me click on a XXXX XXXX to open that screen and click on the XXXX  that said XXXX. After I had put about {$3500.00} into XXXX and made money, the girl said that I could make more money if I did a wire transfer ; we could even make more money. I went into XXXX XXXX, to make my first wire, but XXXX XXXX  said that they would not do it, it could be a scam. 
On XX/XX/year>, I went into Wells Fargo to see if they would. They asked a couple of questions about the wires I needed to do. I showed them how I would move to the XXXX wallet and how it was growing in the XXXX XXXX  of the XXXX wallet. We sent {$15000.00} to XXXX in XXXX XXXX, CA that day. 
On XX/XX/year>, I went into Wells Fargo because I was instructed to wire {$20000.00} to XXXX XXXX Once again, it went to XXXX  XXXX XXXX XXXX XXXX CA XXXX 
On XX/XX/year>, I was instructed to wire {$40000.00}, but this time, it was wired to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
On XX/XX/year>, I went into XXXX XXXX because I was instructed to wire {$60000.00} this time. They instructed me to wire it to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
I would also like to point out that the last time I was at Wells Fargo, I showed them how it had grown, and they asked if they could have someone from Wells Fargo call and talk about how to invest the money I would be getting, they give me his name, but he also call me about setting up an appointment. His name is XXXX XXXX ( XXXX ) XXXX. E-mail : XXXX. 

I would like you to see the letter for more details. 
Thank you. 
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 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PR

Complaint narrative:
It has come to my attention that the Company JEFFERSON CAPITAL SYSTEMS , LLC has acquired the account due to material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor failed to legally obtain consent to sell, transfer, or disclose any account information with your company or any other non-affiliated third party as mandated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information constitutes an unfair method of competition and unfair & deceptive acts of FRAUD. When fraud leads to the formation of a contract, the contract becomes unenforceable, and the defrauded party may void it upon discovery of the fraud. Thus, it is hereby notified that upon discovering FRAUD associated with the contract between the consumer and the original creditor, the contract is now VOID. Consequently, ANY and ALL consent to possess, use, and share private information obtained by, through, or from the contracted original creditor is hereby REVOKED, TERMINATED, CANCELED, and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is trying to collect on an account that is not mine. I submitted a dispute with all three credit bureaus. The account were removed from XXXX and XXXX but remain on XXXX

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

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 Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection

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 2024-05-05 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: NY

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 Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I tried to open a chime account and an " extra '' debit card builder account but both banks/companies were not able to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year> I woke up to 5 charges of a {$100.00} dollars from a merchant that was unauthorized I called wells fargo and informed them that I did not make thes transactions they told me they can't do anything untill they post or they might go away mind you they did not cancle my debit card so the next day XX/XX/year> I chech my account I see another 3 transactions from the same merchant for another XXXX I called wells fargo they said they will file a claim again they did not cancel my card 2 more days they charged my account more than XXXX the fourth day I called mad and they finally canceled my card and I get an email that they are going to close my account and only gave me back XXXX and declined all the claims and now I'm facing eviction and I can prove it and they are not trying to give me my money on top of it they told me they are going to close my account

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 2024-05-06 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: KS

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-06 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: KS

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities.

Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines.

Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute.

Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities.

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. 

Thank you for your attention to this urgent matter. 

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
Consumer complaint received 2024-05-06 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: LCI Acquisition Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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 did not authorize these companies to run my credit and they are fraudulent and i want those Inquries to be removed.

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 2024-05-06 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:
I did not authorize these companies to run my credit and they are fraudulent and i want those Inquries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize these companies to run my credit and they are fraudulent and i want those Inquries to be removed.

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 2024-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXXFORTIVA Why did they closed my account when it was paid in full and keep report it to the credit bureau.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Its my understand that you will recheck these items with the creditor who has posted them, Please remove any. information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The XXXX credit card company is reporting a balance of XXXX on an charged off account. This account debt was cancelled over 5 years ago and discover still reporting this account opened with a balance. The IRS has given them the charged off tax credit and XXXX wont update my credit report and cancel the debt and show a XXXX balance. Actually this account is past the allowed time for reporting to the credit bureaus. Please investigate and remove asap

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 2024-05-06 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: CBC Companies, Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation