vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
XXXX XXXX XXXX does not have the authority to collect on this allege debt. They are not affiliated with the original creditor after viewing their bylaws and incorporation. This is a legal notice that you must provide the information requested. 

XXXX XXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority to administrate for the XXXX XXXX 

You will return and transmit your written evidences of your delegated authority to " represent '' that you, XXXX XXXX XXXX is authorized to administrate XXXXXXXX XXXX, together with a certified copies of " all '' signatures contract between you and XXXXXXXX XXXX, you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXXXXXX XXXX Courts require your contract for jurisdiction. 

XXXX XXXX XXXX 
XXXX XXXX XXXX disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY. 
govern yourself accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WA

Complaint narrative:
On XXXX my credit karma spend account was locked after making a purchase online and I had subsequently attempted to make 3 more purchases that were denied. Instead of credit karma sending me a notification asking if it was actually me attempting the charges like they have done in the past they just locked my account and made no attempt to contact me. I had to reach out to them and they requested that I upload documents identifying myself which I had done multiple times with multiple documents identifying myself to them. I was initially told the account would be unlocked within 24 hours and after that 24 hrs I was told it would take an additional 24 hours and after that I was told 3-5 days. They wouldnt tell me why my account was locked. And they wouldnt agree to a partial release of funds. When I spoke to a supervisor named XXXX she insisted that there was no one I could speak to above her and she wouldnt give me any more information about her other than her name was just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TX

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. 

Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I initiated a domestic wire transfer of {$25000.00} from my Discover Bank saving account to my recipient 's XXXXXXXX XXXX account on XX/XX/2024. Federal Tracking Number : XXXX. My recipient ( my family, a trusted person ) never gets the money so I called Discover Bank multiple times. 

On XX/XX/XXXX, a Discover Bank wire specialist confirmed that the wire was rejected by XXXXXXXX XXXX on XX/XX/XXXX. I asked Discover to request the trace of wire from XXXX to know where the money is. On the same day, my recipient also checked with XXXX and confirmed the wire was rejected on XX/XX/XXXX. XXXX claimed that XXXXXXXX XXXX sent money back, and provided my recipient with the XXXX XXXX XXXX : XXXX for tracking. 

On XX/XX/XXXX, I asked Discover to start the recall/dispute process, with all the information above provided to the Discover dispute team to investigate where the money is. 

During XXXX XXXX. I made several calls to Discover, but not a single update info was available to me. The Discover specialist told me ( XX/XX/XXXX ) that the request for trace from XXXX should be responded within 5 business days. In addition, Discover also told me ( XX/XX/XXXX ) that Discover should be hearing back from the Federal Treasury about the progress of the refund within 5 business days. They made no progress for 2 weeks or they don't want to share with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
XXXX XXXX- {$1200.00} This account was created unauthorized and fraudulently XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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:
XXXXXXXX XXXX- {$1200.00} This account was created unauthorized and fraudulently XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Date : XX/XX/year> Subject : Complaint Against Citizens Bank Extended Hold on Federal Tax Refund Deposit Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am filing a formal complaint against Citizens Bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) regarding an extended and unreasonable hold they have placed on my federal tax refund deposit. 

Summary of events : On XX/XX/year>, I opened a new checking and savings account at Citizens Bank. I deposited my federal tax refund check in the amount of {$31000.00} into this new account. 

Citizens Bank 's written policy states that funds deposited from the US Government are subject to the following availability schedule : First business day : Up to {$5500.00} available Sixth business day : Remaining funds available Despite this policy, I have been unable to access any portion of my federal tax refund. I have visited the branch and called customer service multiple times to request that my funds be made available, but the hold has been continually extended. As of today, XX/XX/year>, a full month after my deposit, the bank is still refusing to release my funds. 

Impact : This extended hold is causing severe financial hardship. I am unable to pay my rent, feed my family, or cover essential expenses. I have explained my urgent need for these funds to the bank, but they have not shown any willingness to resolve the situation in a timely manner. Furthermore, they are making it difficult for me to close my account. 

Desired Resolution : I request the following : Immediate release of the full amount of my federal tax refund ( {$31000.00} ). 
Compensation for any financial losses or overdraft fees incurred due to the bank 's actions. 
I believe Citizens Bank has violated their own written policy and has caused me undue financial stress. I hope the CFPB can help me resolve this matter and hold Citizens Bank accountable. 

Documentation : I am prepared to provide the following documentation : Copy of my government-issued ID Account opening documents Deposit slip for the federal tax refund check Correspondence with Citizens Bank regarding the hold Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was emailed and called by Resurgent capital services indicating that had purchased an old account from a creditor XXXX XXXX XXXX  XXXX. for {$2200.00} I had sent proof of a cashiers check that the debt was paid off in XXXX. Yet they are still calling and sending emails to me. Need help to stop them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
XXXX 2023 - {$3100.00} This account was created unauthorized fraudulently 15- 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
XXXXXXXX XXXX  - {$3100.00} This account was created unauthorized fraudulently 15- 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from this law firm, claiming to be a debt collector and that I owed a certain sum of money. I responded with a conditional acceptance, stating that I would pay the balance in full if they provided me with a contract/purchase agreement authorizing them to collect the alleged debt from me. I also requested proof of their registration with XXXX XXXX XXXX, which authorizes them to conduct business as a collection agency in the state of Florida. 

On XX/XX/XXXX, they responded with an information packet along with a debt validation notice. That packet did not include a contract/purchase agreement authorizing them to collect the alleged debt or proof of their registration with XXXX XXXX XXXX XXXX which authorizes them to conduct business as a collection agency in the XXXX of Florida. It contained a copy of a statement, which is not evidence of authority to collect a debt. 

On XX/XX/XXXX, I gave notice addressing their issues and requested that they cease and desist for their false and deceptive business practices due to the fact that they had not provided me with any evidence that I was legally obligated to pay or that they were legally authorized to collect the alleged debt. 

On XX/XX/XXXX, they ignored my cease-and-desist notice and replied with another attempt to collect the alleged debt. 

At this point, they are harassing me. Their negligent actions have caused me emotional distress, and I need your help to resolve this matter immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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 a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I keep trying to get in my transunion credit report account and the system keeps kicking me out and not allowing me to dispute any charges or request my updated 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief