vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
CONSUMER REQUEST FOR INFORMATION & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX ZIP Exempt Non-domestic , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX PRESIDENT/ CEODate:XXXX  XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX  XXXX XXXX and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account XXXX XXXX Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner of XXXX XXXX XXXX XXXX Corporation.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CONSUMER REQUEST FOR INFORMATION & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX PRESIDENT/ CEODate:XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX  XXXX XXXX, and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account XXXX XXXX Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner of XXXX XXXX XXXX XXXX Corporation.

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/2023 someone fraudulently withdrew XXXX from a XXXX XXXX XXXX  in XXXX out of my account. I immediately contacted my bank Netspend on XX/XX/3023 and advised of the unauthorized activity. As requested the same day I submitted written notice of my claim and it was accepted. Netspend did a 10 day investigation never offered a provisional credit and closed the claim without refunding my money though I did not withdraw the funds or authorize the withdrawal. My debit card is in my possession.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX reported XX/XX//XXXX Experian XXXX/XXXX/XXXX Bankruptcy XXXX XXXX-Discharged I disputed this inaccurate information and where or who provided this inaccurate information they did not respond.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting not verified or accurate 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Reporting not verified or accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I simply sent my remittance coupon with ucc codes with letter with my signature for payment to bearer. The bill of exchange could have been in many others forms I could open a lock box as well I sent this registered mail a week ago. Today I received strange email no letter or correspondence that Capital has closed all of my accounts. Because I sent in a remittance coupon as holder in due course. These creditors are acting like we live in circus as they constantly are accessing my information from credit bureaus that is completely controlled by circus of billing errors and without my written consent constantly surveil for extracting any money then can get on high interest payment which I am paying. Very high interest. Capital One is in dishonor and clearly out of line as I need to credit cards for household purchases. I also see they have sent me a credit alert from experian report soon after they closed all 3 accounts in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NC

Complaint narrative:
Fraud Complaint File # XXXX XXXX XXXX to Well Fargo XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX, XXXX XXXX : XXXX XXXX XXXX Fraud XX/XX/2023 - Initial fraud with cash advance to checking account. 
Credit Card XXXX Online cash advance {$500.00} - # XXXX Online cash advance {$500.00} - # XXXX Interest Charge {$5.00} These transactions were not authorized or initiated by me. 
No one has access to my credit card. 

XX/XX/2023 - Cash advance deposited into checking account and the following listed occurred. 

Checking Acount XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX {$500.00} REF # XXXX These transactions were not authorized or initiated by me. 
No one has access to my checking account. 
I have no knowledge of the above noted people. 
I always use the 2 step verification system for account access! 

Only XXXX XXXX is listed on my XXXX account list. There are no other recipients listed. 
I did not receive email transaction confirmations of the above noted transactions. 
Account ... XXXX is a new account transferred from ... XXXX on XX/XX/2023 due to fraud. Old account classified in Lost/Stolen status. 

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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened a loan with XXXX Credit Card and made my 1st automatic payment from my savings account on XX/XX/2022. This payment was accepted. On XX/XX/2022 the payment was drawn but was returned. I was charged a late fee of a {$29.00}. I do not have a checking only a savings. The 1st payment from savings was accepted but the 2nd wasnt because the company request checking not savings? On XX/XX/2022 they tried to automatically withdraw the full amount of {$3700.00}. I didnt agree to this and my credit union charged me twice for the overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I need the capital one credit to be readded To my XXXX credit file, XXXX took off my credit report I did not ask XXXX to remove this account please reinsert my capital one account last four of that account number is XXXX, please add this back it was not supposed to be taking off this is the second time this has happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have never filed bankruptcy before and one has been showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX-Account Number : XXXX Original creditor : XXXX XXXX XXXXXXXX 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 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. 
Remove Account form my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need the XXXX  XXXX credit to be readded To my Equifax credit file, Equifax took off my credit report I did not ask Equifax to remove this account please reinsert my XXXX  XXXX account last four of that account number is XXXX, please add this back it was not supposed to be taking off this is the second time this has happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax please remove the credit inquiries XXXX XXXX XXXX XXXX  inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting you this CFPB Complaint today to let you know that you have failed to comply with the Federal Law, Fair Credit Reporting Act section 605b, and continued reporting the disputed items without completely verifying the disputed items you are reporting on my Credit File. Previously, I have been asking you to send me copies of proof of verification or any documents you found along your investigation to prove that the disputed items belong to me. And you have failed to do so, but I see here that the disputed items are still being reported on my Credit File! This is a clear violation of my consumer rights under the protection of the Fair Credit Reporting act! Once again, I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$690.00} XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. With you failing to send me copies of proof of verification or any documents, it should have been expected to have the disputed items removed from my Credit File, and yet you have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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 Ace. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; and XXXX XXXX XXXX XXXX - XXXX :, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy. ( I did give up that right ).

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instruction. ( I have not given written authorization ), 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. ( The listed accounts are unwanted " Adverse Reportings '' 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. ( I have presented several examples of inaccuracies )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I disputed the inaccuracy of a collections account XXXX & XXXX. This account is reporting as open, with XXXX XXXX, and XXXX. This is a violation to report a charged off account as open. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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:
I recently received a copy of my consumer reports from XXXX, XXXX, and TransUnion. I noticed that one or more is reporting my customer experiences.

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer.

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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