vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
Charles Schwab, transfer funds to XXXX XXXX XXXX XXXX on XX/XX/year>. I have been going back and forth with both Company 's and both company have blame one another. XXXX XXXX XXXX XXXX did the investigation and when Charles Schwab transfer the money to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Decline the Money transfer due to the XXXX XXXX XXXX XXXX account was canceled. This issue has been going on since XX/XX/year> I am requesting for Charles Schwab to please place the funds back into the Charles Schwab checking account. please help me this has been to long and also spec compensation for not having access to my funds. 

Contact Person for Charles SchabXXXX XXXX XXXX - Senior Manager Complaints Risk Management. 

Contact Person for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Risk Officer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The prepaid card equifax sent out for its class action suit is not accepted anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX Frivolous, I am filing a complaint regarding unauthorized credit inquiries that are appearing on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting an investigation from the Consumer Financial Protection Bureau about the listed unauthorized inquiries, take actions to ensure theyre removed, and to prevent further unauthorized activity.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-06 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$13000.00XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$3200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$140.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year> my citizens bank credit card was charged XXXX to XXXX XXXX XXXX XXXX. I was scammed by this company my card was only Supposed to be charged XXXX dollars for XXXX hour parking. I paid at thXXXX XXXX. I called the company and it goes to a voicemail. I was not the only victim of this scam. I called my bank immediately after it happened to file a dispute. They told me it will take up to 30-90 days and they would send a letter in the mail.. I never received a letter. I reached out again and they stated my dispute has been denied, I never received a letter or an appeal. They stated they would reopen my dispute and I would hear back within ten business days. They never reached out to me. I continue to call and they continue to tell me they will look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal notice to LVNV Funding, LLC to immediately cease and desist all forms of communication with me, including phone calls, letters, emails, or any other type of contact, regarding the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This also includes reporting or furnishing any inaccurate, unverifiable, or outdated information regarding the alleged debt to any consumer reporting agency, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Cease Communication Under FDCPA, 15 U.S.C. 1692c ( c ), I am exercising my right to request that LVNV Funding, LLC ceases all communication with me about the alleged debt. Any further contact by your company will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office.

Cease Reporting to Consumer Reporting Agencies Additionally, under FCRA, 15 U.S.C. 1681s-2 ( a ), your organization is required to ensure that all information furnished to consumer reporting agencies is accurate and complete. If the alleged debt can not be verified in full compliance with the FCRA and FDCPA, you must refrain from reporting it or promptly delete any inaccurate or unverifiable information. 
Legal Consequences Please be advised that any failure to comply with federal and state laws will result in immediate legal action to protect my rights. This includes, but is not limited to, filing a complaint with the CFPB, FTC, and pursuing private legal remedies for damages caused by violations. 

Final Notice This letter constitutes my formal request under the FDCPA and FCRA. Any future communication regarding the alleged debt should only occur through written correspondence sent via certified mail to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Subject : Request for Immediate Rectification of Inaccurate Credit Reporting Between the dates of XX/XX/year>, and XX/XX/year>, I contacted TDRCS/XXXX XXXX XXXXXXXX XXXX multiple times every single day during this time period to resolve an issue regarding my account. During this period, I spoke with several agents, and each time, I was transferred to another agent without receiving a clear resolution. Every agent I spoke with assured me that my account had been closed with a XXXX balance and that TDRCS/XXXX XXXX XXXXXXXX XXXX was not reporting any negative information to the credit bureaus. 

However, upon reviewing my credit reports, I discovered that TDRCS/XXXX XXXX XXXX XXXX had inaccurately reported that I owed money on a zero-balance account and that I had been reported late five ( 5 ) times. These reports have significantly and unfairly damaged my credit scores. 

I called TDRCS/XXXX XXXX XXXX  XXXX again to rectify these inaccuracies, but the issue remains unresolved. Despite the agents reiterating that the account is closed with no balance owed, TDRCS/XXXX XXXX XXXXXXXX XXXX continues to report negative information. On my credit reports, the company appears as TDRCS/XXXX XXXX XXXX XXXX and is the source of these erroneous negative reports. 

It says on my credit report, the contact information is : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX I have already filed disputes with XXXX, XXXX, and XXXX, and I am now reaching out to Consumer Financial Protection Bureau ( CFPB ) directly to request immediate action to correct these inaccuracies. This situation has created a substantial obstacle for my family, as we are in the process of purchasing a new home, and the negative reporting has severely impacted our ability to move forward. 

Actions Requested : Investigate this matter thoroughly and confirm the inaccuracies in your reporting. 
Update all relevant credit bureaus to reflect that the account is closed with a XXXX balance and that there are no late payments or delinquencies associated with it. 
Provide written confirmation that the corrections have been made to my credit reports. 
This situation is causing undue stress and hardship, and I ask that you address it with urgency. If the issue is not resolved promptly, I may be forced to escalate the matter further by seeking legal counsel or filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 

Please contact me directly at your earliest convenience to confirm receipt of this request and provide an update on the actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: NV

Complaint narrative:
XXXX XXXX Credit Card closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.

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 2025-01-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX Credit Card closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NV

Complaint narrative:
XXXX XXXX Credit Card closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.

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 2025-01-06 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-06 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:
Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiry by XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute an unauthorized hard inquiry from XXXX XXXX  that appears on my credit report. I want to make it clear that I did not apply for any loan or credit products from XXXX XXXX at any time. This unauthorized inquiry is fraudulent and likely a result of the XXXX data breach, of which I was a victim. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any fraudulent information from a consumers credit report within four business days of receiving notice of the identity theft, accompanied by supporting documentation. This letter serves as such notice. 

To resolve this issue promptly, I am requesting the removal of the XXXX XXXX inquiry from my credit report. I have attached the following documents to aid in the resolution : A copy of my government-issued identification ( driver 's license or passport ). 
A copy of my utility bill or other proof of address. 
A copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 

I trust that you will investigate this matter thoroughly and comply with your legal obligation to block and remove the fraudulent inquiry from my credit report. Please confirm in writing once the inquiry has been removed, or provide me with an explanation if further action is required. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, 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