vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
This is a violation under 15 US Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my credit report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S. Code 1681b ( 2 ) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2 mandates blocking such data without my written permission. According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information. 

Delete this account from my credit report Immediately.

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 2023-08-16 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: CA

Complaint narrative:
This is a violation under 15 US Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my credit report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S. Code 1681b ( 2 ) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2 mandates blocking such data without my written permission. According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information. 

Delete this account from my credit report Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX, the ATM at the PNC XXXX XXXX branch suddenly stopped working around XXXX. I attempted to use the APP and my credentials were denied. I tried to use the app from XXXX - midnight and later and still continued to give trouble - this morning I see XXXX overdraft fees for {$36.00} on my business checking account. I would like the fees to be removed - PNC has technical/ system issues and the institution is taking it out on the small business owner who has to manage the bank 's issues with their mortgage department, their business department and various other departments. 

Additionally, i reported a transaction that looked like a fraudulent issue on Sunday XX/XX/XXXX and it took me more than 2 hours to get connected to the fraud department - who then resolved the issue after more discussions. If I had not insisted on speaking with the fraud department, the matter would not have been flagged nor would I have had a {$370.00} debit resolved. 

PNC 's customer agents are unable to resolve issues anymore and most of the time the customer is having to move complaints up the chain at considerable cost to their own business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. 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 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 : 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.

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 2023-08-16 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: IL

Complaint narrative:
REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX reporting credit bureaus : Equifax, XXXX etc. My past credit has been deleted on accounts that state paid as agreed. I have been told I dont have enough types of credit ( I did but paid as agreed ). Also limits too high but they are new accounts less than 6 months old. I would think a XXXX XXXX  with credit history for over 40 years should have excellent credit IF all information is correct because I have never missed any payments! The bureaus all sell services like boost your credit score, and credit protection, etc. They want consumers to have low scores and Texas has the lowest in the Nation because of these tricks they pull. Like making their website look like the annual free credit report site. Why is this being allowed to continue? My score is XXXX fair? Ridiculous! Please note attachments. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This account was previously reporting as XXXX XXXX XXXX. After disputing it, it was deleted from my credit report and reinserted as XXXX XXXX XXXX. According to 15 U.S. Code 1681i, " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' In addition to that, this collection account is reporting as an OPEN account status on my profile which is ruining my credit. This is inaccurately and misleading information reporting and must be deleted from my 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted on several occasions to contact the Transunion credit Dispute center through written form. They have failed to respond in a timely manner regarding the inaccurate information that is reporting on my credit. I have verbally expressed that the debts being reported are not mine and have urged for written proof.

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 2023-08-16 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.

Im allegedly obligated, not obligated.

You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Control, LLC
State: MI

Complaint narrative:
This company has called my place employment two times. I have asked them in the past not to contact my employer. Today they contacted my employer again.

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 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: NJ

Complaint narrative:
This debt collection agency Alliant Capital Management based out of New York has been calling me incessantly. It shows up as a pretty local New Jersey number, but when I call back it just goes to voicemail. The worst part is that they dont just call me, they also call my XXXX  which is extremely rude and annoying and unprofessional. I looked them up on XXXX and saw the reviews were riddled with nothing but 1 star reviews stating how unprofessional they are, how rude and their use of profanity and threats to everyone they call, and most importantly, they threaten or even do give out personal private information. Theyve called my XXXX  and XXXX  already and I do not need them asking or giving out any personal information. They call incessantly even between illegal calling hours. Extremely unprofessional business riddled with nothing but negative reviews should not be in practice. They did not even attempt to send anything via mail either, only calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
An authorized user on my Citi card account used my Citi credit card to pay for a car service ride from XXXX XXXX to the XXXX XXXX XXXX NY XXXX on XX/XX/2023. This is roughly a XXXX XXXX XXXX XXXX. The car company, showing on my credit card statement as XXXX XXXX XXXX XXXX NY ' , quoted {$85.00} for the ride. The credit card was provided for payment without the amount being shown on a payment device. A receipt was requested, however the driver said he did not have a paper receipt and he would email the receipt. An email address was provided, however receipt was never received. We were given no other detail on the business, no business card, no company name, or no way to contact the car service. 
When the charged showed up on my account, it was for {$920.00}, which was {$840.00} more than was quoted for the service. This was an obvious fraud/theft situation that I expected would be resolved by Citi. 
I disputed the charge with Citi on XX/XX/2023, the same day I was made aware of the charge. 
On XX/XX/2023, I was notified that my dispute was denied because I was unable to provide any documentation or receipt of the charge. 
Without any means to contact the car service company, Citi provided me with a phone number that they had for XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX. However, this phone number is actually the customer service phone number for XXXX, and has no affiliation with this car company. Another red flag that I would think would make this an obvious fraudulent charge. 
Citi would not provide me with any detail about the car service company, their issuing bank, or anything. They instructed me that my only recourse was to call the Better Business Bureau. Unfortunately, I can't file a BBB complaint about a company whose name I don't know, and whose phone number is fake. 
While this was clearly a fraudulent charge, Citi does not consider this to be a fraudulent charge because we purposely transacted with the company, regardless of whether the charge amount was what we verbally agreed to. At this point, I don't have any recourse with Citi, and have no recourse with the car service company because I can not identify 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 2023-08-16 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: FL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 2023-08-16 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: IL

Complaint narrative:
-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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