vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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:
I am writing to formally request the removal of certain hard inquiries from my credit report. As a conscientious consumer, I strive to maintain a healthy credit profile, and I believe that the presence of these inquiries inaccurately represents my creditworthiness. 

Upon reviewing my credit report, I noticed the presence of the following hard inquiries : 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 XXXXXX/XX/23 It's essential to highlight that these inquiries were made without my explicit consent or knowledge. As such, their presence on my credit report does not accurately reflect my financial behavior or credit habits. I have not initiated any new credit applications or sought credit-related services during the periods corresponding to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Between when I was XXXX to XXXX years old my mom opened over 20 credit cards in my name without my consent, spent the money and pretended to me, all while racking up thousands of dollars of debt. When I found out what she had done, we had a verbal agreement in which she stated she would be paying off all the credit cards. Despite her statement, on Tuesday, XX/XX/XXXX I was served with court papers stating Barclays is suing me for over {$3000.00} worth of credit card debt. I have contacted the XXXX XXXX court and Barclays both of which have started an investigation into the fraudulent card. I have also contacted the credit bureaus and mark that card as fraudulent as well. I have attempted to file a police report. However, this incident occurred in XXXX, NY and I've lived in XXXX, TX for almost 3 years now. I contacted the XXXX police and they told me to contact the XXXX police due to the incident occurring there. When I called the XXXX police, they stated I needed to contact the XXXX police since that is my current residence. I would told my a lawyer to file a complaint here.

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 2024-04-13 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: CA

Complaint narrative:
I have been fighting to remove the fraudulent information from my credit report since XX/XX/XXXX, but my efforts have been in vain. Despite reaching out to Experian multiple times by mail, phone, and through their website, I have been ignored and given the runaround at every turn. 

To make matters worse, Experian recently provided me with an update on report # XXXX, which contained false and fake feedback on a medical loan that is undoubtedly fraudulent. Their exact response was, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I am baffled as to who is certifying the information as accurate when it is clearly fraudulent. 

I have provided Experian with a police report and an identity theft report that have been notarized under oath, but they continue to ignore me. Originally, there were two fraudulent loans on my report, and they only removed one of them. Experian has already acknowledged that the loans reporting are fraudulent, so why are they refusing to remove it from my report? 

Below are all of the dates that I have contacted Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/24 my account was locked with no explanation or notice from Truist Bank. When I reached out I was told the reason for this was suspicious activity. When I asked what suspicious activity occurred they told me nothing had been posted but that the matter should be rapped up in 72 hours and that an employee would reach out with more information. It has been nearly 2 weeks I have called multiple times to get some clarity and they refuse to give a reason for why I have no access to my own funds.According to them they can hold my money with impunity for an indefinite period of time. As a result, I can not pay bills, buy gas to get to work, or close my account and move the funds elsewhere. However, they were more than happy to allow me to deposit a payroll check before I realized the account had been locked.

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 2024-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.

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 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: CO

Complaint narrative:
Penn Credit Corporation account # XXXX, XXXX I am unaware of this debt. I didnt have an opportunity to dispute this debt. I didnt receive proper notification of this debt. If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name and signature validating that I received proper notification from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
I recently received a copy of my credit report and was shocked to discover that I have been a victim of identity theft. There were numerous accounts on my credit report that I did not open, which has been causing problems for me as I am in the process of buying a vehicle for myself and my daughter. Could you please remove the fraudulent accounts from my credit report as soon as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following items to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days and provide me a copy of the original creditor 's documentation file to verify this information is mine. Furthermore, FCRA Sec 609 ( a ) ( 1 ) ( A ) and Sec 611 ( a ) ( 1 ) ( A ) state that the original consumer contract must have my signature. If no proof otherwise Section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following items to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days and provide me a copy of the original creditor 's documentation file to verify this information is mine. Furthermore, FCRA Sec 609 ( a ) ( 1 ) ( A ) and Sec 611 ( a ) ( 1 ) ( A ) state that the original consumer contract must have my signature. If no proof otherwise Section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

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 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 2024-04-13 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

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 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 explanation
Consumer complaint received 2024-04-13 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: NJ

Complaint narrative:
I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit file between XX/XX/XXXX, XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-04-13 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:
I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit file between XX/XX/XXXX, XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RSVP Lending, LLC dba RSVP Loans
State: MO

Complaint narrative:
XXXX setup a payment with XXXX at RSVP Loans to payoff my balance in full of {$640.00} on XX/XX/XXXX. Through email correspondence XXXX confirmed that my loan would be paid off in full on that date. That never happened. I've emailed XXXX numerous times since then with no response. Yesterday XX/XX/XXXX a loan payment was deducted from my account in the amount of {$280.00}. This is unacceptable and I feel like unethical if I'm still going to have to pay whatever the remaining balance is. Had there been an option online for me to pay off my loan in full, I would have done so, but there is no option to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A. State 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 1681 s-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 2024-04-13 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: OH

Complaint narrative:
I am writing to formally request the removal of certain hard inquiries from my credit report. As a conscientious consumer, I strive to maintain a healthy credit profile, and I believe that the presence of these inquiries inaccurately represents my creditworthiness. 

Upon reviewing my credit report, I noticed the presence of the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's essential to highlight that these inquiries were made without my explicit consent or knowledge. As such, their presence on my credit report does not accurately reflect my financial behavior or credit habits. I have not initiated any new credit applications or sought credit-related services during the periods corresponding to these inquiries.

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 2024-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a direct deposit on Friday XX/XX/XXXX and the company froze my account because somebody tried to process a transaction in XXXX XXXX XXXX  which I live in XXXX XXXX  the agent from the XXXX department explained to me that he could not release any funds because of the fraud but that it was not going to go through because it was still pending and I had to purchase another card which received that XXXX I believe which was the second of XXXX this gentleman advised me more than once that my full amount would be there and it was not now they are trying to tell me that there's an investigation going on with that transaction and I can not get any of my funds that's {$300.00} I went the whole weekend including XXXX XXXX  without any funds when I have a XXXX XXXX XXXX that I need to provide for they also made me submit the dispute in writing and still have not provided me my {$300.00} that I desperately need.

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 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I have a target credit card opened XX/XX/2023. I have made my payments no issues. XXXX XXXX I paid a payment for XXXX. The company placed a hold on it due to suspicious payment. Finally after complaints they removed it I made another payment XX/XX/XXXX XXXX. That payment was held due to suspicious payments. I was told by Target that they wanted to speak with my bank to see if I had authorization to make those payments and because it was usually large they didnt feel I could make that payment. They stated in the past my payments have not gone over XXXX and they just need the bank to validate I could make a payment. I asked XXXX can I not make a large payment with my checking about or debit card he said I can they just need the bank to verify I can make a payment. I have made this payment and it has been 10 days and my payment has not been released due to being XXXX and they dont feel I have money in my account. They are holding my money until I allow them to speak to my bank to verify I have money in my account to make the payment. The payment has cleared on their end but needs to bank to verify I have money and its not fraud. I asked them do they verify with all customers who make large payments he said the computer decides who needs to verify if they have money. This is XXXX profiling and harassment in lending and I am seeking legal action against Target

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CL Holdings LLC
State: NV

Complaint narrative:
I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.

Company response to consumer: Closed with explanation