vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : - **Full Name : ** XXXX XXXX XXXX XXXX Address : ** XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX **Date of Birth : ** XXXX - **Social Security Number : ** XXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-09-01 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: PA

Complaint narrative:
I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : - **Full Name : ** XXXX XXXX XXXX **Current Address : ** XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX **Date of Birth : ** XXXX - **Social Security Number : ** XXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. Thank you for your prompt attention to 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 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX XXXX.I used XXXX XXXX  ATM to withdraw {$400.00} at XXXX. XXXX XXXX XXXX XXXX NJ XXXX ( They have the video but will not release it to me ) ATM didn't dispense the money but issued receipt. Immediately contacted XXXXXXXX XXXX. They called ATM operators ( XXXX ) XXXX XXXX XXXX, filed complaint XXXX. Then filed complaint with my bank XXXX. Both were denied. Then contacted XXXX directly. They said would contact via email. Never did. My bank manager XXXX XXXX says my claim was denied, however refused to provide a clear reason and referred me to XXXX. The investigation never obtained the video which clearly shows the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I told XXXX XXXX I never had a account with them and reported fraud no one helped me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Iam not aware of these charges and need them removed I also have hard inquiries XXXX XXXX and XXXX I need these removed 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 2024-09-01 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:
In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 : I also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-09-01 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-09-01 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:
I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : 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 2024-09-01 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX BANK XXXX 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 an 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 XXXX 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. Accounts need to be removed from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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 am a victim of identity theft please remove this inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: MA

Complaint narrative:
I am writing to inform you that I have found fraudulent accounts on my credit report. After reviewing my report, I discovered several accounts that do not belong to me and are affecting my credit score.

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 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion is in violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10 Also 5th amendment of due process/ equal protection under the law

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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: NC

Complaint narrative:
I have tried previously with this issue with Cash App, and I am trying again. I called and spoke with a representative today named XXXX. She informed me that I should reinstall the app and install it again. After I do this process, click the question mark and answer the prompts. I did this and learned that data is still linked to my personal information. For example, I was able to find my account through a credit card I have that is linked to an account. 
As I spoke to XXXX, I explained to her that another device has been linked to my account the last time I was able to log in, and I saw it was a brokerage account. 
I did create a new account later tonight, yet my identity could not be verified, most specifically my SS number. 
The last communication I had from Cash App communication asked me to mail many forms of my identification without providing a resolution. 
I am a victim of identity fraud with my case number being XXXX at the XXXX XXXX XXXX XXXX XXXX 
There are discrepancies on the report ; yet, it specifies technology fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: LA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX - Balance : {$290.00} XXXX XXXX XXXX # XXXX - Balance : {$430.00} XXXX XXXX XXXX # XXXX - Balance : {$960.00} XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX - Balance : {$9800.00} XXXX # XXXX - Balance : {$660.00} XXXX XXXX XXXX # XXXX - Balance : {$55.00} XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX - Balance : {$470.00} XXXX XXXX XXXX # XXXX - Balance : {$450.00} XXXX XXXX XXXX # XXXX - Balance : {$660.00} XXXX XXXX XXXX # XXXX - Balance : {$550.00} XXXX XXXX XXXX # XXXX - Balance : {$1000.00} XXXX XXXXXXXX # XXXX - Balance : {$1000.00} XXXX RM # XXXX - Balance : {$340.00} XXXX # XXXX - Balance : {$820.00} Unauthorized 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a letter form XXXX XXXX XXXX XXXX saying they are trying to collect a debt that's claiming I owe to LVNV Funding. I in fact do not owe them anything. I do not owe XXXX XXXX XXXX XXXX either. I told them to cease and desist for this reason. The letter is not dated and says to write back by XX/XX/year> to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/year> I submitted a mobile wire transfer from XXXX of my bank account to the other. This was around XXXX XXXX. Then around XXXX Citibank called me because this is the bank that I have money in the account to do the wire transfer. They called and left a message and asked for me to called them back regarding my wire transfer. I called back around XXXX XXXX  and gave Citibank all of the information they needed and they told me that this transfer would be cancelled and to resubmit the transfer. So I went back into my mobile app and resubmitted the mobile transfer. This was around XXXX XXXX. Then around XXXX I tried to get on my mobile app to check the process of the wire transfer and the app told me that the account has been locked. I didnt understand why so I called the Citibank again. Citibank then told me that my account is u see review and to wait XXXX hours and I will be able to access my mobile app again. Then on XX/XX/year> around XXXX XXXX  I called the bank again because I still couldnt access the mobile app. They then told me that my account had been closed and that I had to wait for more information which will be mailed to me in a letter in 7-10 business days. Then I called again around XXXX XXXX to see what else I can do because I really need my money which is {$2800.00} to pay my rent by XX/XX/year>. The bank told me that there was nothing else that they can do and I have to wait and the whole process can take up to 30-60 days. So I asked to file a complaint with the bank. The bank then called me back around XXXX XXXX  and said there was nothing else that can be done. They cant give me any information and I have to wait. This is ridiculous. I didnt do anything wrong and I need my money back.

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 2024-09-01 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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:
I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : 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 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I received a letter form Credit Control , LLC saying they are trying to collect a debt that's claiming I owe to XXXX XXXX. I in fact do not owe them anything. I do not owe Credit Control , LLC either. I told them to cease and desist for this reason. The letter is not dated and says to write back by XX/XX/year> to dispute the debt.

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 2024-09-01 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:
i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( Mo ) 281 SW715.719 presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX  XXXX XXXX {$3700.00}, XXXX bal. {$2500.00}, XXXX XXXX XXXX  XXXX XXXX {$720.00}, XXXX XXXX bal. {$1200.00}, XXXX XXXX XXXX bal. {$650.00}, XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX bal. {$68.00}, XXXX XXXX bal {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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:
i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( Mo ) 281 SW715.719 presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX {$3700.00}, acceptancenow bal. {$2500.00}, XXXX XXXX XXXX  XXXX XXXX {$720.00}, XXXX XXXX bal. {$1200.00}, XXXX XXXX XXXX bal. {$650.00}, XXXX XXXX XXXX bal. {$590.00} XXXX XXXX XXXX XXXX bal. {$68.00}, XXXX XXXX bal {$0.00}

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 2024-09-01 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: GA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-09-01 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 am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX # XXXX - Balance : {$310.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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