vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-17 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: TX

Complaint narrative:
I am writing to formally submit a complaint against Experian Credit Bureau regarding their handling of my identity theft case. Despite following the proper protocol as outlined by the Federal Trade Commission ( FTC ) for identity theft victims, and as stipulated by the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from Experian. 
I have submitted XXXX separate complaints to Experian on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Each complaint included all required documentation and information as recommended by the FTC for identity theft victims, including an FTC Report and a Certified Police Report. It has now been approximately XXXX days since my initial complaint, and I have not received any acknowledgment /response from Experian, nor has these fraudulent account been removed. 
The lack of communication and action from Experian has caused significant distress and inconvenience, as my credit report remains compromised. I am seeking assistance from the Consumer Financial Protection Bureau to ensure that Experian addresses my complaints promptly and takes the necessary steps to rectify 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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MI

Complaint narrative:
I am writing to bring to your attention the matter of a debt validation letter sent to Hunter Warfield on XX/XX/2024 pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/2024, I sent a debt validation letter to Hunter Warfield requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number, the amount in question, alleged debtor/creditor names and addresses, dates of charge-off or delinquency, whether or not the debt was assigned to debt collector or purchased, if purchased the amount paid, and an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. According to the FDCPA, they are required to respond within 30 days of receiving the letter. This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. However, it has now been over 30 days since the date of the letter, and I have not received the proper documentation from Hunter Warfield. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of Hunter Warfield with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act.

Furthermore, I have not granted Hunter Warfield authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IN

Complaint narrative:
I do not have a contract with the current creditors. Please remove the following accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
I was a victim of the XXXX and XXXX Data Breach and I decided to review my credit file and noticed that there are multiple inquires that i never authorized or companies that I gave permissible purpose to or was extending credit for so they have XXXX written or expressed consent to have pulled my credit report. I have already filed and FTC Identity Theft report which I have attached along with a copy of my ID and a billing statement. Please remove these inquiries as they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
An application for a Citizens credit card was initiated on XX/XX/2024. I received a letter in the mail on XX/XX/2024 with the application ID number, stating that the application could not be processed because they were unable to verify information provided on credit application. I did not initiate this application. I called Citizens on XX/XX/2024 to report that as fraudulent application and it was cancelled at my request and marked as fraudulent. I informed them that the credit bureau had already been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a US Bank Visa gift card as a 'thank you ' from my employer. I've tried registering the card and logging in online, but I am locked out. No matter what I try online, I'm told to call the number on the back of my card... so I do. 

I've spoken with 5-6 different representatives who have each given me various " solutions ''. None of the " solutions '' have worked. Each representative has been extremely impatient and not the slightest bit helpful. ( I've even been hung up on. ) They have provided no true guidance on how to resolve my issues with the gift card. 

I've been told I need to know the state in which my card was purchased, but it was a gift from a coworker who travels frequently to and from various states. I've also been told I need to register my card via phone, but the keypad option they tell me to use does not exist. And one representative told me I need to fax him my SSN and ID card ... which I'm not doing. 

I would simply like to access the funds I was gifted. Thank you.

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 2024-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  is violating XXXX XXXX XXXX. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>, XX/XX/year> and 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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
A total of {$10000.00} was illegally taken from my account. I live in Massachusetts and work in XXXX, NH while the crime was being done. The transactions were done at chase bank, 2 locations in NJ and 1 location Washington. Dates of the the crimes were between XX/XX/XXXX - XX/XX/XXXX. I put out various claims at my local branch ( XXXX, Ma and XXXX, NH ) also over the phone/online with the fraud department. Both cases been closed and have told me that theres in nothing they can do and refuse to return my money even though they were done at their branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I filed a dispute and all they sent by email through you .The only thing the company sent was bill with my address and no purchases or products or store. 
Nothing with my signature or original contract. 
I also found some similar information from the dark web. I would like all of this to be deleted. 
This doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Received pre approved credit card application for Venture card from Capitol One. Cancelled application with Capital One. Should have had a Soft inquiry, however XXXX showed a Hard Request at XXXX. I want the Hard Inquiry removed. Capital One was unwilling to initiate the request to remove the Hard Inquiry. I have a freeze on my credit. Capitol One was very hard to work with. It took 4 phone calls to cancel application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: DE

Complaint narrative:
I checked my credit report and its shwoing unauthorized inquiries on my consumer report. These unauthorized inquiries were from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and they need to be removed immediately according to FCRA 18 USC 1028A.

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 2024-07-17 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: DE

Complaint narrative:
I checked my credit report and its shwoing unauthorized inquiries on my consumer report. These unauthorized inquiries were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and they need to be removed immediately according to FCRA 18 USC 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: DE

Complaint narrative:
I checked my credit report and its shwoing unauthorized inquiries on my consumer report. These unauthorized inquiries were from XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and they need to be removed immediately according to FCRA 18 USC 1028A.

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 2024-07-17 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I filed for a charge back dispute with a merchant known as XXXX back in/around the week 1 of XX/XX/year>, however, Ally Bank has not resolved the issue and not provided a recent update. I spoke to a supervisor a few weeks ago and was advised that the dispute is still open even though my account says it's closed

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 2024-07-17 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: 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 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe 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 2024-07-17 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: 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 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: CA

Complaint narrative:
It is my personal statement that the inquiries that I have listed were not created by me and need to be deleted on grounds of identity theft pursuant to 15 USC 168c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). Please DELETE ADDED INQUIRIES : XX/XX/XXXX. ADD CURRENT EMPLOYER : XXXX XXXX XXXX. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX Formerly XXXX Account no XXXX XXXX XXXX, XXXX. Account no XXXX XXXX XXXX, XXXX Account no XXXX Possible Financial account no XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : 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 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 2024-07-17 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: NY

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
According to the FCRA convergent account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.

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