vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report.

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off 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 non-monetary relief
Consumer complaint received 2024-05-16 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report.

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Got a call from citizens bank representative on XX/XX/year> saying a check had been mailed that same day XX/XX/year> its now XX/XX/year> and I still dont have it. Not sure if they were telling the truth

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I notified CFPB back in XX/XX/year> that Citibank refused to allow consumers to close their credit card accounts or negotiate at settlement. It initiated a deceptive and discriminatory practice of refusing XXXXXXXX XXXX  XXXX descent a hardship program, temporarily reducing or eliminating interest charges, or negotiating debt management. Citibank set up roadblocks which included but were not limited to blocking consumers from reaching a customer service representative or a department to help with this issue therefore I notified CFPB and requested an investigation. According to Citibank, I needed to contact them through a special number. On XX/XX/year>, I contacted Citibank through their preferred number and sent a letter via electronic and regular mail requesting account closure and a payment plan. Citibank has refused to acknowledge the request and continues to charge late fees and additional interest with the intent to force consumers to miss payment altogether to ruin credit scores with late payment. I am requesting the CFPB investigate enacting or enforcing laws that protect consumers from this discriminatory practice targeting XXXX XXXX XXXXXXXX descent.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
Both my SoFi and XXXXXXXX XXXX accounts have been hacked. XXXX transactions named SoFi Bank transfer have been made from my XXXX savings account and moved over to my SoFi checking account unauthorized. The totals were {$700.00}, {$750.00}, and {$670.00}. When the transactions were placed in my SoFi account, three transactions were then made from my SoFi account to a XXXX XXXX. This was also unauthorized. Another transaction was made from my SoFi account to XXXX XXXX totaling {$790.00}. This was unauthorized as well. I filed dispute claims with both SoFi and XXXX stating what had happened. SoFi has closed the dispute claim and put a restriction on my account. XXXX approved my claim and reversed the transactions made and sent the {$670.00}, {$750.00}, and {$700.00} back to my XXXX account. Now my SoFi account balance is- {$2100.00} due to the reversals. I am stuck paying this to the bank when this total was taken from me in the first place. Also waiting for my dispute for the {$790.00} charge to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased shipping boxes on E-Bay for {$68.00} and paid with my PayPal Credit.I was charged {$62.00} out of my Pay Pal cash Wallet and also charged {$62.00} out of my PayPal Credit. I wrote to XXXX and called them as well. 
There are 2 different Transaction ID 's and two different Invoice ID 's for my on time purchase of my shipping boxes. I have brought that up to XXXX, by phone and e-mail and by regular mail. They did adjust my charge for {$68.00} on XX/XX/XXXX on my XXXX XXXX but then charged me again on XX/XX/XXXX for {$68.00} on my XXXX XXXX account. 

XXXX XXXX XXXX  XXXX XXXX ID 's Transaction ID : XXXX Amount : {$68.00} Transaction ID : XXXX Amount : {$68.00} Invoice ID : XXXX Amount : {$68.00} Invoice ID : XXXX Amount : {$68.00}

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 2024-05-16 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: IL

Complaint narrative:
In accordance wit the fair credit reporting act XXXX  account # XXXX 15 u.s.c 1681 section 602 A states I have a right to privacy

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found a number of personal information mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with the FTC Regulation and refuse to fix this issues, this is a clear violation of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received the Destiny MasterCard from Concora Credit Inc . I was pre-approved for a {$700.00} limit. A hard inquiry was applied to my credit report. 

I used the card once on XX/XX/XXXX for {$69.00}. I attempted a purchase of {$39.00} for an overseas course company and the transaction was blocked on XX/XX/XXXX. I called to verify it was me making the purchase. The rep asked 3 times if I was out of the country. I stated no I was in the US making a purchase with an overseas merchant. They stated the card was unblocked and to make the purchase again. Card was declined again. Called again and a rep asked again if I was in the actual country I was purchasing from. I stated again no I am in the US purchasing from an overseas merchant. XXXX stated the card was unblocked and to wait 5 to 10 minutes before trying to purchase again. Waited an hour or so, tried again and the purchase failed. Called Destiny MasterCard again on XX/XX/XXXX and a rep asked if I was in the country. I stated yes and they place me on a hold for XXXX minutes and then disconnected the call. 

I paid a {$170.00} in full for the annual fee and was allowed to make XXXX charge on the account. After that, it was promptly blocked, and the reps have not been able to actually resolve the issue. This company also asked for my driver 's license to place my card into my XXXX XXXX. I did so, was successfully verified only to be told to wait until my card arrived. This company now has my personal information and did not comply with adding my card to my wallet as stated. I feel this is data mining and a bait and switch to get customer data and information. 

Also, this can open customers to possible discrimination as the customer 's driver 's license data can be used allegedly by Concora Credit Inc, Destiny MasterCard, and their representatives and staff to block purchases, reduce limits, etc. based off the customers driver 's license data which includes a photo image, race, age, weight, geographic location, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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 hope this letter reaches you in good health. I am writing to request specific information concerning the method of verification utilized by Trans Union in reporting bankruptcy information. 

Upon recently receiving information from your database indicating a bankruptcy entry on my consumer report, I am seeking clarification regarding the procedures and methods employed by Trans Union to verify and validate such bankruptcy information. 

I kindly ask for the following details : The specific procedures and methods used by Trans Union to verify bankruptcy information.

Any documents or criteria utilized in the verification process.

I recognize the significance of accurate and verified information within consumer reports and am keen to ensure the integrity of the data associated with my profile.

I kindly request your response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is essential in addressing and resolving any discrepancies related to my consumer report.

Should there be any specific forms or additional information required to facilitate this request, please do not hesitate to inform me.

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe.

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 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was hacked with 90 requests for payment in the amount of {$990.00} each request. 
I never was notified by PayPal of these XXXX Payments requests. 
I had to contact them. 
Not only that but on the request for payment each one had a phone number to call if you didnt know these people or owe any money to them. That phone number is to the people requesting the money and they are acting as representatives of PayPal. 
Also I received emails saying that I also requested money from others in PayPal that I asked for {$1900.00} from these people. 
When I called the actual PayPal customer service. I asked them to block my account. 
It took several requests to get that done. 
I changed my password 3 times. 
PayPal is not protecting my account as to their business model says that my accounts are protected by them. They kept telling me not to worry about it and that in 10 days to keep checking my email to see if the issue is resolved. Also I personally need to go through all 90 of the money requests and cancel them myself. 
I cant tell which PayPal emails are real or fake. 
This is highly concerning and not professional at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX. On my credit report my name is spelled so many different ways and it is negatively affecting my credit score. Also my employers are incorrect as well as addresses I no longer use or have never used.i have disputed this with the 3 major bureaus and they never remove them.

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 2024-05-16 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G-VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
On XX/XX/year> I was denied access to my Current Banking account. There were still several thousands of dollars worth of in-bound transactions that I can no longer access. 

I have tried contacting support and tried to get some explanation from a human, but so far I have only received the automated support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 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:
This company has showed up on my credit report has fraudulent That I dont recognize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}

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 non-monetary relief