vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/2024, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection 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 2024-11-15 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
I demand for this hard inquiries to be removed from my Credit report as soon as possible. Unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also the following personal information are incorrect and should be removed from my report : Also Known As : XXXX XXXX, Also Known As : XXXX, XXXXXXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Also Known As : XXXX XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXXXXXX XXXX XXXXXXXX All previous addresses reporting needs to be removed from my report as they are incorrect information! 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent 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. 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 explanation
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX - XXXX - XX/XX/XXXX - {$57.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}

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 2024-11-15 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent 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. 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 2024-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXXXX/XX/XXXX alleging that I owe {$2000.00} for XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Having never received an invoice from XXXX XXXX XXXX XXXX, XXXX for this amount I asked for an itemized invoice proving that I owe the amount. XXXX XXXX XXXX  did not provide an itemized invoice or anything from XXXX XXXX. Instead, they sent me a letter from XXXX XXXX simply indicating the amount owed. Furthermore they flagged the account as delinquent in all three credit agencies. 

If XXXX XXXX XXXX is claiming that I owe said medical debt then they must provide me with an itemized invoice. 

I have contacted the billing company for XXXX XXXX. They said they assumed billing for XXXX XXXX in XXXX and did not have access to the records prior to them taking over. Their phone number is XXXX. 

I contacted the prior billing company and they said they no longer have access to those records. Their phone number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
A payment that was submitted to PNC Bank on my credit card account in the amount of {$1100.00} on XX/XX/year> is being held by the bank until XX/XX/year>. The conversation consist with this office that a payment in the amount of {$520.00} was returned by my bank on XX/XX/year>. Since that time, I made XXXX additional payments to the account, {$850.00} on XX/XX/year> and {$650.00} on XX/XX/year>. Both of these payments were once again held and have been accepted and paid by my bank. My account with PNC Bank is current. Further, I have had this account for over XXXX  years and had never had a problem with any of my payments, with the exception of the one this past XXXX. However on other occasions, PNC Bank has actually lowered my credit limit ( for unknow reasons ) and now is holding my availability of credit on my card for an extraordinary amount of time. Transactions done online nowadays take no more than XXXX to XXXX working days to be processed. Lastly, PNC Bank will not discuss matters with regard to my account without providing them with a last transaction, last credit payment and the last XXXX numbers of the account ( even though the complete set of numbers were provided when the call was initiated ). These requirements seem overly exaggerated and I consider them discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was under a payment plan for this debt beginning in XXXX / XX/XX/XXXX ; payments were taken directly from my checking account. In XX/XX/XXXX, I lost my job. I communicated this to XXXX ( the predecessor to XXXX  ) monthly and advised that I was unable to make payments on this debt ( approximately $ XXXX ). I received no communications - phone, email, written, or court documents during the period from XX/XX/XXXX through today, XX/XX/XXXX. Today, I checked my bank account and it had been cleaned out - there was a debit in the amount of {$3600.00}, which was the balance remaining from my first paycheck in nearly a year. Upon reaching my bank- I assumed that there was fraud involved- they provided me with the number to contact XXXX. Apparently a writ of garnishment was filed recently with my bank, yet no service / notice / contact was made with me in advance. And, they refuse to " stop the garnishment '' despite the fact that I am now left XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- the total debt is over $ XXXX. And, short of litigation or XXXX, I have XXXX options for recourse.

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 2024-11-15 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: SC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts and credit inquiries have appeared on my credit report. I am requesting that these fraudulent items be blocked and permanently deleted under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ). 
Below is a list of the unauthorized accounts and inquiries that I request to be removed : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: 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.

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 XXXX 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 2024-11-15 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:
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.

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Klarna AB
State: TX

Complaint narrative:
My Husband sent an email to XXXX XXXX XXXX and asked if the XXXX XXXX XXXX lamp was in stock AND if it came with the Green shade pictured. He was told YES. They said Go ahead and order. I did and I ordered from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. The order number is XXXX. The order total is {$260.00}. I was sent the wrong item. It does NOT have a green shade as I was told by XXXX XXXX XXXX that it did. It was shipped with a brown shade and the lamp is not great quality. I contacted XXXX  XXXX XXXX immediately and followed all their instructions. Called and emailed. They have not responded. I filed a complaint with the XXXX XXXX XXXX against XXXX  XXXX XXXX and they never responded. XXXX  XXXX XXXX needs to send a pre paid label and I will send it back to them. If they do not want it back, I will donate it to charity. They need to refund my money. They lied and committed fraud. I used Klarna to pay for this making Payments. Klarna XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX ) XXXX XXXX. I have received Numerous emails from Klarna saying they will protect Buyers if something is wrong. I filed a complaint against Klarna With the XXXX. Klarna refused to help and get involved. They said they can't. Just lies and excuses. I was a victim of fraud. I used XXXX XXXX payment service. Klarna could contact XXXX  XXXX XXXX, they are just too lazy to do so. Klarna could also cancel the charges. Klarna told me to contact XXXX  XXXX XXXX. I have tried over and over again. XXXX + times. That's XXXX  plus times and XXXX  XXXX XXXX  will not respond. Had I used my personal XXXX I will have filed a claim and this would have already been over and the charges reversed. Klarna needs to do the right and honest thing and reverse ( cancel ) these charges, refund what I already paid. I have been with Klarna for years and have been very loyal to Klarna. Please CFPB help me in this matter. I have done everything Klarna has asked. The criminals at XXXX XXXX XXXX will not respond and will not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
After reviewing my XXXX XXXX XXXX I notice negative reporting from several different banks, I'm not familiar with. I sent a dispute to ews asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 

CITIBANK account # XXXX According to the FCRA : XXXX. Right to Dispute Inaccuracies Section XXXX : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within XXXX  days. 
XXXX. Notification of Dispute Results Section XXXX ( a ) ( XXXX ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 
XXXX. Notice of Disputed Information to Furnishers Section XXXX ( b ) : When a consumer disputes an item, the reporting agency must notify the entity that provided the disputed information. The furnisher is required to investigate the matter and report back to the consumer reporting agency. 

EWS violated my consumer laws according to the laws listed above by not providing written results detailing the results of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

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