vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: FL

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked XXXX XXXX XXXX to conduct an independent investigation for inaccuracy in reference to : XXXX XXXX XXXX XXXX XXXX 

The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. XXXX informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion.

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.

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 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was scammed by a " land-lord ''. I paid a deposit to view to meet with said land lord to view the property, and he set up the appointment, didn't show up, made up a lie, and stopped responding to me. Eventually, he responded days-weeks later, stating that he would not have any problems returning the money, and yet again stopped responding to my messages, and of course still has not returned any money. The transaction amount was for {$990.00}, after sending {$1.00} to make sure it was going to the 'right person '. I have all screenshots and documentation of communication as needed. I attempted to file a claim via XXXX XXXX, who directed me to Zelle. I filed a claim with Zelle, who of course denied the claim because I authorized the payment, but it was a scam, and it is sad to say that I truly can not afford a XXXX XXXX loss. I am positive that if this {$1000.00} was removed from the recipient 's account at any given time, they should and would understand why and there ( ideally ) should not be any issues. This was a desperate measure while looking for housing before XXXX started, and I'm sure this person scammed many other XXXX XXXX XXXX XXXX XXXX from posting nicely furnished apartments and rooms in the XXXX housing and roomates groupchat. I had confidence because I previously rented from a landlord at my previous college and had a great experience, and yes I paid my previous landlord via XXXX, zelle, etc. The interaction that I was having with this fake landlord was similar, and required a deposit just the same way, which was comforting to me because my previous landlord was amazing. Sadly enough, this turned out to be a scam. 

I would appreciate any help with this case. 
Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all invalid information that is hindering my credit profile. this has been a issued that ive reported multiple times an no action has been taken place. all of the information listed is reporting inaccurate an illegal to my credit report. please review an remove the listed items to help clear my file asap.

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 2023-10-16 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: FL

Complaint narrative:
i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not aware of how this account was created or used. I never authorized the opening of this account. However, because of this account 's appearance on my credit record, my score has been decreasing.

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 2023-10-16 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: NY

Complaint narrative:
Last night, I performed a routine credit check on myself and discovered that my normally high ( XXXX ) XXXX XXXX had dipped significantly down to XXXX. I was shocked. Especially when I saw that a CapitalOne Credit card account had been opened in my name back in XX/XX/XXXX. I have never had any type of relationship with CapitolOne and never established credit card there. CapitolOne never reached out to notify me that an account was created. Nor to verify if I was the one who had actually established this account. CapitolOne informed me that an individual had used my social security number and my birthday which was used to open the account. Apparently, this individual charged over {$9500.00} and never paid it down. Why I wouldn't have been contacted after the first missed payment is baffling to me. CapitalOne then closed the account in XX/XX/XXXX ( again, no one contacted me regarding this account. After calling CapitalOne today, they informed me of the details that were used to open my account ( the email, phone number and address did not belong to me ). I have impeccable credit and have a long history of always paying my credit cards. This has been incredibly stressful for me as I am about to move apartments and need my high credit score to do so. If possible I would like this matter expedited as I am currently not able to move apartments until this is cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SD

Complaint narrative:
I XXXX XXXX was trying to reside at the alfalfa residence in XXXX XXXX back in XX/XX/XXXX till about XX/XX/XXXX. I did not sign no lease and I ONLY signed a document stating that I was EMPLOYED to be able to move in the room upstairs as a roommate. I was pretty much taking over for the last roommate that had moved out. During the end of XX/XX/XXXX I decided not to live there anymore due to because there was a wife and a husband living downstairs that were going through a divorce and I could no longer live in the disfunction of theyre verbal XXXX to one another. There was no lease that stated it was a XXXX month or if it was a 12 month lease. XXXX who was the main tenant who had rented the house for several of years. Did ask me if I want to to sign for a 12 month lease after the contract was up the beginning of XX/XX/XXXX. I had told him that I would think about it. Therefore I am not responsible for whatever debt they are saying that I owe. This was now just put on my credit report of this year ( XXXX ) when this happened almost 4 years ago. I would like to file this action against me as 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 explanation
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
According TO PER USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK AND REMOVE THE FILES. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PER 15USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER15 USC 1681C-2 PLEASE BLOCK AND REMOVE

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 2023-10-16 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: FL

Complaint narrative:
According TO PER USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK AND REMOVE THE FILES. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER 15USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER15 USC 1681C-2 PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According TO PER USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK AND REMOVE THE FILES. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER 15USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER15 USC 1681C-2 PLEASE BLOCK AND REMOVE

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 2023-10-16 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Charges were made on my card that I didnt know about as I vowed to never use the card again after they lowered my credit limit. Someone charged to my account without my knowledge. The bureaus said I would have to have a police report which I was unable to get due to the police needing to know if it was online or in store and XXXX XXXX had no way of showing this. The police needed to know this in order for them to know which branch would need to file the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Name of opposing party : Lien Enforcement inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My Customer # XXXX Parties to the contract/event, or the persons name, requesting the demand : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been contacting me nonstop since XXXX. They are calling me almost every day and harassing me. On XX/XX/XXXX lawyer XXXX XXXX wrote them a letter to stop contacting me as this debt is not mine. They still continue to call. 

I sold my car on XX/XX/XXXX. I did all the correct paperwork to transfer ownership to the new owner XXXX XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I completed the release of liability, the sell as is letter and online notice of transfer up to the United States law in California code standards through the XXXX. XXXX did not do his end of the deal and transfer it under his name. I have proof of this as well. The new owner XXXX had the car towed on XX/XX/XXXX which was after I had sold it to him. 

The police sent me a letter or notice of pending lien for an impounded vehicle around XX/XX/XXXX. I spoke with one of the officers and showed them proof that I had completed everything on my end, and the car is no longer in my possession, and they told me to not worry about the notice as the car is no longer my responsibility.

I am not responsible for this debt, the collectors need to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX of this year I was told that my account was closed because of {$23.00} overdrawn from fees. I contacted the phone number on the paper I received from citi and they told me to either send a check or go to a branch to get this solved. I responded with : I can't go to a branch as I live over XXXX miles to the nearest branch of citi. I was then on hold for about 15 or so minutes. Once the represenative came back, they told me that I can do a money order at the postal service or go to a bank that partners with them and deposit the money there. As I don't have a single place like that near me I chose to send a money order to them. I now have 2 returned useless money orders from them because they keep returning them back to me. After the first return, I then basically tried to get help from close to 5 different people on the phone. They then told me the same thing from the first time but were adamant that I needed to go to a branch ( which I told them I WAS NOT ABLE TO DO THAT. Driving over almost XXXX states to go to a branch for {$23.00} is unreasonable in my opinion. ). They sent me XXXX different addresses ( which DID NOT WORK ) to resend my money order. I had two reps tell me to contact a branch for instructions. I contacted the branch in Virginia as that was the closest. The person before this wanted me to contact a branch in XXXX XXXX XXXX I told the branch person what happened, and they told me a different address to send it to They agreed with me to that going to the branch is an unreasonable option. I was almost told to ignore this over {$23.00} however, that will ruin my financial stance. I refused to do that. I was told the possible reason why I got my money order returned. I sent the second money order to a XXXX XXXX XXXX  address. Today, XX/XX/2023, I received the second money order for the same reason on the first one. My bank account was closed. I don't know what to do now. I feel like I'm going to circles with this company now.

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 2023-10-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I recently won an amex gift card through a sweepstakes on XXXX, I was sent an {$100.00} virtual amex gift card, accompanied by a {$50.00} XXXX XXXX XXXX XXXX. I was able to spend the XXXX XXXX XXXX immediately, worked well, but the amex card was a different story. I have tried every merchant possible, XXXX, XXXX, XXXX, and target to name a few, but I have tried many more ( including lesser known shops, just in case ) and no one will take it. I have called customer service at American express 4 or 5 times and they keep telling me the same thing, that my card is being declined for fraud protection and to keep trying merchants or to spend in store. I can not spend " in store '' when it was a virtual gift card, this lady keeps telling me that I can just type my card info in at stores in person but that's not how stores around here work, no card, no in person spending. I tried to request a check in the amount of the gift card and failed there as well as they told me the refund or check would go to who issued the gift card instead. I'm at my wits end, I have {$100.00} dollars stuck in space with bills due and shopping needed, I won that money fair and square and it isn't fair that I'm fighting a losing battle to spend it. Please help.

Company response to consumer: Closed with monetary relief