vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-06 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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: RI

Complaint narrative:
I initiated a few transfers totalling less than XXXX $ from the wrong savings account. Appropriately the company notified me of my mistake and I sold enough assets to bring my account to back to positive. 
Because I didn't appreciate the way they handled the mistake, which I clearly admitted was mistake. I decided to close my account entirely. The company is blocking my ability to transfer the raining USD balance back to my savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX and Experian are both reporting an alleged collection that is accurate : they have provided no evidence to prove that this collection belong to me.d I demand that they both produce the documents they used to verify this information.

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 2024-04-06 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I kept receiving emaila from XXXX XXXX XXXX that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XXXX XXXX paid the account in full. Immediately after paying the account in full XXXX reported the account as a charge off.

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 2024-04-06 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: MA

Complaint narrative:
I kept receiving emaila from XXXX XXXX XXXX  that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XXXX I paid the account in full. Immediately after paying the account in full XXXX reported the account as a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: MA

Complaint narrative:
I kept receiving emaila from XXXX XXXX XXXX that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XX/XX/24 I paid the account in full. Immediately after paying the account in full XXXX reported the account as a charge off.

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 2024-04-06 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
They opened a vehicle account without my authorization and it is the product of identity theft Santander consumer usa XX/XX/2024 Ac XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: OH

Complaint narrative:
They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is XXXX credit cards listed under all XXXX of my XXXX  reports. I contacted them by phone again XX/XX/XXXX and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX, experian, and XXXX. XX/XX/XXXX Please remove these illegal credit cards under my name which XXXX XXXX said they ONLY issues PREPAID cards and not CREDIT CARDS off my experian, XXXX, and XXXX REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Date Opened 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 2024-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, & XXXX are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.

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 2024-04-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed my consumer report and noticed one late payment on an account for which I have never been late. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have never missed a payment for the account mentioned in my complaint dated XX/XX/23. Please investigate and provide evidence, such as statements, demonstrating these alleged late payments. If no proof can be provided, I request that these payments be updated to reflect that they were paid as agreed and on time, as I have always been punctual. Thank you! Please find the attached screenshot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: CL Holdings LLC
State: OR

Complaint narrative:
I have a collection on my account from XXXX  from 2023. I never had XXXX. I have XXXX XXXX. And Ive had XXXX XXXX for years now. I dont understand why XXXX dollars was charged to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-06 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:
XXXX, XXXX, & Equifax are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, & XXXX are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.

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 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
XXXX XXXX XXXX I initiated a transfer to a person in XXXX that was promised same day. It has now been 5 days and they refuse to complete my transfer or to return the money to me. It is true theft of my funds. 

This is western union, the XXXX is : XXXX They have opened two separate cases with no resolution : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EA Holdings Corp.
State: IL

Complaint narrative:
Easy Acceptance failed to address my concerns about the contract acting as a security for this transaction. I am not disputing anything other than if the contract is being sold for profit. Failure to address my concerns I will escalate my concerns to the SEC as a whistleblower and the FINRA to halt your businesses ability to process securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: OH

Complaint narrative:
They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is 2 credit cards listed under all 3 of my credit reports. I contacted them by phone again XX/XX/2024 and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX XXXX, and equifax. XX/XX/2024 Please remove these illegal credit cards under my name which XXXX XXXX said they ONLY issues PREPAID cards and not CREDIT CARDS off my XXXX, XXXX, and equifax REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: OH

Complaint narrative:
They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is 2 credit cards listed under all 3 of my credit reports. I contacted them by phone again XX/XX/year> and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX, XXXX, and equifax. XX/XX/year> Please remove these illegal credit cards under my name which XXXX XXXX  said they ONLY issues PREPAID cards and not CREDIT CARDS off my XXXX, XXXX, and equifax REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX XXXX, Acct # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received a prepaid Gift Card as a gift a little while ago and went to active and use it. 

The online activation system did not recognize my card and kept saying try again. I verified the card number and details to be correct during the many times I tried I clicked the need help link and filled out the form only to receive the message telling me to call the number on the card I called and entered the 16 digit card number as asked but when it prompted me to enter the 3 digit cvv code, it said I was having trouble entering the number and to try again which I did several times I finally dialed XXXX XXXX and reached a live representative She told me to go online and try which I explained to her that I did and it told me to call the number on the card She said sorry you need to fax your ssn ( why idk she couldnt explain ) my id and photos of the prepaid card She gave me a fax number and said wait 10 days and I might hear back So sketch! What a scam!

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 2024-04-06 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: EQUIFAX, INC.
State: TX

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: GA

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 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