vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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:
after checking my credit report on XX/XX/XXXX I received a copy of ny credit profile I notice Fraud Hard inquiries, I contacted the companies and they stated they don't have an existing account and they can't help me to resolve the issue. I then contacted XXXX XX/XX/XXXXXXXX  the gave me a confirmation number that they will resolve the Fraud Inquiries from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : Account name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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 an account without my written instructions.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : Account name : XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Account name : Account name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted but for some reason this company has been adamant about violating my consumer rights and at this point I have been suffered from extreme injury and i would like to move forward with legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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:
There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted but for some reason this company has been adamant about violating my consumer rights and at this point I have been suffered from extreme injury and i would like to move forward with legal actions

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 2023-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing this claim due to : My sister and I have moved into XXXX XXXX  XX/XX/XXXX and we have moved out of XXXX XXXX XXXXXX/XX/XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX # XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit. We have paid everything off the {$2200.00} on XX/XX/XXXX and recieved our deposit back for {$320.00} on XX/XX/XXXX. I also have not recieved a written notice from a debt collector that says how much I owe. 
This is my official request to have the amount before mentioned to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX added a collection to my credit report and I didnt have a written agreement with this company. 


15 U.S.C 1692C without prior consent of the consumer given directly the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt. 

XXXX XXXX XXXX called me on XX/XX/23, XX/XX/23 trying to collect a pay and or to set up some type of payment arrangement.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Hello, To whom this may concern I never had sprint service and I have {$1700.00} dollars owed to ( enhanced recovery company ) it was opened XX/XX/2021. 
Im lost please I need help to resolve this its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Admin Recovery, LLC
State: VA

Complaint narrative:
Admin Recovery contacted me about an alleged debt and refused to send me documentation to validate the debt. The original creditor was notified months prior that I opted out of privacy sharing and release of the account information to nonaffiliated third parties but they sent the information to a third party, Admin Recovery, anyway. 

I spoke to a Admin Recovery employee ( manager XXXX ) on XX/XX/2023 who said he would send me the written documentation I requested. He failed to comply with the our oral agreement and I did not receive the information. 

I also advised on that call for them to cease from calling me and XXXX stated they would remove the account and send it back to XXXX XXXX and stop calling me. This information was false because they called me several times on XXXX XXXX. 

I am requesting for the CFPB to do their job and help me resolve this issue.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was victims of identity theft, I have had a lot of accounts open up under my SSN. Such XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY GENER I have addresses open up under my SSN. This has set me back tremendously dealing with these accounts and addresses Its bring my credit score down i cant get car or house.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hello, I had a checkings account in Chase Bank and I have over {$1100.00} in this account. I tried entering my account and it says " It looks like you don't have any accounts to show ''. I can't find any information on how to solve this problem. I live abroad, I live in XXXX and I can't go to a branch to try and solve this. 

Please help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. has violated my rights. 
-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. also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act convergent account, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
-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. also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information has been ignored and at this point I have been severely injured and I want to move forward with legal actions

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 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
1. Funds transferred in 2 tranches via Western Union app to transfer funds from XXXX XXXX XXXX Account in XXXX but the money was not received by the mentioned recipient for 10 months and WU is not responding lately. 
2. 1st tranche was of {$5000.00} made on XX/XX/2022, XXXX XXXX XXXX 
3. 2nd tranche was of {$4500.00} made on XX/XX/2022, XXXX XXXX 4. Called Western Union customer care between XXXX - XXXX to check the status of transfer but they only claimed the the amount is transferred to XXXXXXXX XXXX  in XXXX but did not receive conformation of the amount credit to the mentioned recipient. 
5. Western Union Customer service rep provided RRN 's which are no good to trace funds within XXXX. 
6. Filed a complaint to aroc.errorresolution@westernunion.com and received CASE numbers XXXX & XXXX for both the transactions respectively. 
7. After 10 days of follow up with Western union customer care, I get to know the amount is credited to beneficiary other than what I mentioned while filling the details in WU app due to 1 digit entered incorrectly.

8. I requested for refund to WU to which they mentioned wait time is 35 working days. The Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX mentioned the amount is credited to the beneficiary account whereas the mentioned recipient did not receive the funds. 
9. I've been writing emails and making calls to WU but WU says the case is closed and not responding anymore to my emails. 
This is my family 's hard earned money and because of Western Union 's fault I am a loss of money, time and peace for last 10 months. 
** Primary reason I noticed while using WU app is when you mention the beneficiary details the entire account number gets masked and you are not able to review the account information you've entered except the last 4 digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I satisfied this debt to the original company XXXX XXXX about 3 years ago. I switched carrier and do not owe this company or First Point Collection agency. This debt has not been verfied by either company and needs to be deleted. 

I sent certified mail to the collection agency via usps and have not heard a thing. 

This debt needs to be deleted from my XXXX credit file ASAP. 

This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've held savings accounts with Capital One 360 since 2005, when it was ING Direct ( before the Capital One acquisition ). I recently learned that at least twice in that time, they created new savings account types with different names and better interest rates, and they stopped offering the old account types. They did not convert legacy customer accounts to the newer better offerings, nor did they notify customers that they could or should take action to upgrade their accounts. This amounts to a disingenuous bait and switch, which resulted in longtime loyal customers losing out on years of better interest rates. 

I contacted them to request back interest payments that I missed out on due to my funds having remained in the inferior accounts to date, but they refused. 

My legacy savings accounts currently show the " Account Type '' as " 360 Savings '', which currently earns 0.30 % APY. The newer and only currently-offered account type is " 360 Performance Savings '', which is currently at 4.15 % APY. That's 13.8x as much as the legacy account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, FIRST INV SERVICING CO FIRST INVESTORS SERVICING CO7, has violated my rights. 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 an account without my written instructions. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that FIRST INVESTORS SERVICING INC has reported this account as a charge-off and that First INVESTORS was obligated to send me a 1099C form. I have called First Investors Servicing Co and have written them several times to no avail Has this company sent me this documentation?

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I discovered an account reporting on my Transunion credit report from XXXX XXXX. This account is showing the date opened since XX/XX/XXXX. It's showing a payment history timeline starting XX/XX/XXXX and currently reporting that I am 120 days late on payment. I have no knowledge about this account entirely. Another major discrepancy is that the original balance is {$2400.00}, but the current balance is & XXXX, which is extremely extensive. This account is a significant inconvenience and has drastically hindered my ability to obtain credit. Attached is a copy of my Transunion credit report ( account has been highlighted ) and a copy of my FTC complaint.

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