vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach that resulted in fraudulent accounts and unauthorized inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted immediately : Fraudulent Accounts : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Complaint Regarding Inaccurate and Fraudulent Activity on My Credit Report Dear Equifax, I am writing to formally request the removal of several inaccurate and fraudulent items from my credit report. My name is XXXX XXXX, and I have been trying to resolve these issues without success through various attempts. The credit reporting agency has failed to uphold the Fair Credit Act : ( Section 609 of the FCRA gives you the right to request both the information in your credit file and the sources of that information. ) Upon reviewing my credit report, I discovered the following discrepancies : 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 XXXXXX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters These items have severely impacted my credit score and financial standing. Despite multiple efforts to rectify these issues, I have not received a satisfactory resolution. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Given the circumstances and the failure to resolve these inaccuracies, I am requesting the immediate removal of the aforementioned items from my credit report. 

Please find enclosed copies of [ relevant documents, account statements, police reports, etc. ] supporting my claim. I kindly ask for a thorough review and correction of my credit report to reflect accurate information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide an update on the resolution process. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : 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 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
This company is not registered to be a collection company or collect in the state of Florida. This account must be removed immediately. See exhibits. 

This company is wrongfully in possession of non-public information without consent and has furnished incomplete and inaccurate information on my credit report without following proper procedures. In this debt collection scheme, this company has appeared on my credit report without verifying the amounts or given me the chance to dispute and get required account level documentation verifying the accuracy of the amounts, procedures used, and completeness. 

First can this company provide evidence of a consumer credit transaction? If so can it verify the amounts I was approved for and loaned? 

Nonetheless, Can this company please provide all previous communications it had with me PRIOR to furnishing this account on my credit report, in accordance with law? As well as the full accounting and list of collateral according to F.S. 679.210 and itemization of the balance and where I agreed to pay the amount of the debt and its reasonable procedures to abide by the E-sign ACT? Finally can it provide the full terms of its purchase and sale agreement of my alleged non-negotiable assignment of debt?

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX XXXX  job position sent to my XXXX email by XXXX. I got the job and the guy said he was XXXX XXXX XXXX ( XXXX ) and wanted me to XXXX XXXX XXXX XXXX XXXX  He sent me a mobile deposit of {$750.00} on the same day and {$400.00} was transferred immediately. He told me to send the {$400.00} through XXXX XXXX to different phone number. It was completed on the XXXX. The deposit refunded itself on the XXXX as the check was fake, taking my {$400.00}. I asked Wells Fargo to cancel the transactions on the XXXX as they were still pending but they couldnt. So I asked to submit a claim and it was closed and declined on the 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 2024-11-19 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: OH

Complaint narrative:
I am writing to formally exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and related laws to opt out and rescind any and all authorizations I may have previously provided to your institution.

Opt-Out and Rescission of Authorization Effective immediately and indefinitely, I, the undersigned consumer, hereby : 1. Rescind Authorization : Revoke any and all authorizations I may have granted, whether written, unwritten, verbal, or non-verbal, that permit the collection, sharing, or use of my personal information. This rescission is made under the authority of 15 U.S.C. 6802, which governs the obligations of financial institutions to respect the privacy choices of consumers.

2. Exercise Opt-Out Rights : Formally opt out of the sharing of my nonpublic personal information, in accordance with 16 CFR 313.1, which enforces privacy obligations under the XXXX XXXX. 
Legal Basis for My Request This request is supported by the following federal statutes and regulations : 1. 15 U.S.C. 6801 : This section mandates financial institutions to establish standards that protect the confidentiality and security of nonpublic personal information. My opt-out request is a direct exercise of my right to restrict unauthorized access or use of my information.

2. 15 U.S.C. 6802 : This provision grants consumers the right to opt out of the sharing of nonpublic personal information. My decision to rescind all authorizations aligns with my statutory rights under this section.

3. 15 U.S.C. 6805 : This section provides the enforcement framework for compliance with consumer privacy obligations. I expect your organization to adhere to these legal requirements and promptly implement this opt-out request.

4. 16 CFR 313.1 : The Privacy of Consumer Financial Information regulation obligates financial institutions to inform consumers of their rights and provide mechanisms for opting out. This letter serves as my explicit directive to exercise those rights.

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 2024-11-19 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: OH

Complaint narrative:
I am writing to formally exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and related laws to opt out and rescind any and all authorizations I may have previously provided to your institution.

Opt-Out and Rescission of Authorization Effective immediately and indefinitely, I, the undersigned consumer, hereby : 1. Rescind Authorization : Revoke any and all authorizations I may have granted, whether written, unwritten, verbal, or non-verbal, that permit the collection, sharing, or use of my personal information. This rescission is made under the authority of 15 U.S.C. 6802, which governs the obligations of financial institutions to respect the privacy choices of consumers.

2. Exercise Opt-Out Rights : Formally opt out of the sharing of my nonpublic personal information, in accordance with 16 CFR 313.1, which enforces privacy obligations under the XXXX XXXX. 
Legal Basis for My Request This request is supported by the following federal statutes and regulations : 1. 15 U.S.C. 6801 : This section mandates financial institutions to establish standards that protect the confidentiality and security of nonpublic personal information. My opt-out request is a direct exercise of my right to restrict unauthorized access or use of my information.

2. 15 U.S.C. 6802 : This provision grants consumers the right to opt out of the sharing of nonpublic personal information. My decision to rescind all authorizations aligns with my statutory rights under this section.

3. 15 U.S.C. 6805 : This section provides the enforcement framework for compliance with consumer privacy obligations. I expect your organization to adhere to these legal requirements and promptly implement this opt-out request.

4. 16 CFR 313.1 : The Privacy of Consumer Financial Information regulation obligates financial institutions to inform consumers of their rights and provide mechanisms for opting out. This letter serves as my explicit directive to exercise those rights.

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 2024-11-19 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: SC

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN AND THE ACCOUNTS THAT I HAVE LISTED IN THE ATTACHED DOCUMENTS WERE NOT AUTHORIZED BY ME

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 2024-11-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Please help me remove these inaccurate inquiries and incorrect personal information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I requested a transfer to a friend in XXXX for XXXX $ on XX/XX/XXXX the money was deducted from my account. On XX/XX/XXXX the transaction was canceled citing large amount not accepted by recipient bank and was told that money has been refund to my account. However it has been more than 20 days and still not refund. I provided account statement and asked for proof of confirmation from bank but they are not providing same and keep telling me different story everytime I call.

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 monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never authorized this account to be open in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: LA

Complaint narrative:
XXXX XXXX XXXX  collection company XXXX XXXX XXXX was charged off in XXXX have requested the 1099c to support the charge off and it has not been sent. I have also requested proof I owe this collection company XXXX XXXX XXXX and I havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX collection company has now served me with a suit. I will be providing answers to the suit. I am attaching documents of the suit stating they are XXXX XXXX XXXX and not XXXX as they are claiming.The suit petition and attorney notice account numbers match each other in my attached documents. They cant act as if they are XXXX because they bought my account from them. # XXXX. I have no financial business with this company. This is misleading and false representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I conducted a review of my credit report and discovered that an individual had fraudulently opened a Capital One credit card in my name without my authorization. I did not grant permission for anyone to establish an account under my identity ; consequently, my personal information and identity have been compromised. This individual utilized the credit card and opened the account without my consent, resulting in a current balance of {$8800.00}. In response to this fraudulent activity, I have reported the issue to all three major credit bureaus, filed a report with the local police department, and submitted a report to the Federal Trade Commission ( FTC ). Additionally, I reached out to Capital One to initiate an investigation into this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 request the immediate blocking and deletion of an unauthorized credit inquiry from my credit file. As a victim of a data breach, I did not authorize the following inquiry : XXXX  ( Date : XX/XX/year> )

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Today Tuesday XX/XX/XXXX I reached out to Transunion special handling department supervisor XXXX XXXX XXXX and I asked why wasnt these fraudulent accounts removed or blocked and he explained to me that he see I disputed these items in the past and no consumers responded to them and that he has to wait 30days for them to respond or the accounts will be removed or blocked I then explained to him that the last dispute wasv5 months ago and they still hasnt responded then he changed his original response to the consumer verified these accounts via by letter so I demanded that the letter be sent out to me for proof of verification that these accounts belong to me and his response was he can not do that. After going back and forth about the letter and he realized that I caught him in his lies he then changed his response again by stating that they ( Transunion ) has determined that these items belong to me by matching the name, address, DOB and social. I asked XXXX XXXX did he understand that Im a victim of identity theft and there is no way that Transunion can verify these accounts based off my identity.. I asked him to send me that in writing and he refused so I explained to him that he was being very unprofessional and I felt like Transunion was being Biased towards me and that they are violating my constitutional rights. XXXX XXXX then ended the call

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The collection agency was sent a certified letter requesting validation of charges. The company has not provided this. I also I requested validation of the the charged with TransUnion and XXXX. Neither provide documents of validation, details and specifics of charges and date allegedly received, insurance documents for any products or services filed and documents disclosing insurance payments in detail. Transunion and XXXX replied that they validated the charges, yet did not provide me with copies of what they used to validate. They simply said thye were validated.

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
I am submitting a formal complaint regarding an unresolved, ongoing delay with a wire transfer routed through XXXX XXXX ( sending bank ) to Citibank ( receiving bank ) in the United States. The funds are being withheld by Citibank. 

The transfer, initiated from my Wise account ( through XXXX XXXX ) and directed to my Interactive Brokers ( IBKR ) account ( which banks with Citibank ), was expected to complete on XXXX XX/XX/year>. Both XXXX and XXXX have informed me that the funds are held for additional review at the receiving bank, Citibank, despite my having provided all requested documentation. This delay has resulted in significant inconvenience and financial disruption. 

Details of the Issue : Entity/account holder : XXXX & XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX on behalf of Wise Receiving Bank XXXX Citibank, XXXX on behalf of Interactive Brokers ( IBKR ) Amount of Transfer : XXXX {$90000.00} Date of Expected Transfer Completion : XXXX XX/XX/year> Case Reference provided by IBKR for the investigation by Citibank : XXXX / XXXX Wise transfer reference : XXXX IBKR 's deposit reference : XXXX Background : On XXXX XX/XX/year>, I initiated a wire transfer through Wise, which was routed via XXXX XXXX, to my IBKR account XXXX with Citibank acting as the receiving institution XXXX XXXX requested and received additional information to support the transfer, subsequently assuring me that the funds would be released by XXXX XX/XX/year>. However, despite XXXX and XXXX confirming that no further action is required on my part, Citibank has yet to release the funds, citing an ongoing review. 

There has been obvious financial loss, given that the funds have been held up for more than XXXX weeks at this stage. 

Request for Assistance : Given the involvement of XXXX, XXXX XXXX XXXX, XXXX XXXX and Citibank, I am formally requesting the CFPB 's intervention to expedite the release of my funds and facilitate communication with the relevant parties. If additional documentation is required to resolve this matter, I am prepared to provide it. Attachments : XXXX ) SWIFT confirmation for the transfer XXXX ) Wise 's transaction invoice for the transfer XXXX ) Email from IBKR stating hold up by its bank ( Citibank ) XXXX ) Email from XXXX confirming that no further information was required and funds would be released on the XXXX XXXX latest. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the timely completion of my transfer.

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