vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.these are clear violations of my federally protected consumer rights.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.these are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX  I iniated a wire transfer as a down payment to Tesla Motors. The amount is XXXX. The funds were deducted from my XXXX account, but were not received by Tesla. I have attempted to recall the transfer with XXXX but have not received my money back. 
The number for the wire transfer is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Formal : Formal Complaint against Jefferson Capital Dear consumer financial protection bureau, I am writing to file a formal complaint against Jefferson Capital for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Jefferson Capital placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with Jefferson Capital, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Jefferson Capital provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Jefferson Capital is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Jefferson Capital is blatantly false. I neither received any services or products from Jefferson Capital nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that Jefferson Capital is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Jefferson Capital constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/XXXX I called what I thought was XXXX XXXX XXXX Support.The purpose of the call was to change my award travel ticket to a different date. The phone was answered Customer Support so I had no reason to think it was anything other than XXXX XXXX.. 

The support desk said they would change the ticket date for me but in the transaction they asked my for my credit card number. I thought this was very odd but I mistakenly gave it to them. I was worried about it and after I hung up, I called XXXX XXXX again to make sure the ticket change was legitimate and it was, XXXX days later I received a phone call from Aviator Master Card asking me about a charge for {$980.00} from something called XXXX XXXX XXXX. I said that I did not authorize any transaction to XXXX XXXX. 
I disputed the charge since I never spoke to anyone at XXXX XXXX XXXX. 
When I disputed the charge, XXXX through Barclay 's Bank XXXX issued a credit for the amount and investigated it. 

After the investigation and my speaking to Barclays on XX/XX/year>, they claimed that XXXX XXXX showed documentation that I authorized the charge. Barclays said that because I authorized the charge they would not cover the {$980.00}. I asked if they heard a phone recording or what documentation did they receive to substantiate that claim? I tried to call XXXX several times. No one answers the phone and I also emailed them to ask about the charge. I never received a reply. 

Barclay 's Bank representative says that because the travel agency said that I authorized the charge that means that I did. But I did not authorize anything to XXXX XXXX. I have since found out that XXXX is a scam company. 

My complaint is with Barclays Bank and the 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 explanation
Consumer complaint received 2024-02-14 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:
On XX/XX/2023, I bought a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through XXXX XXXX. Despite this, XXXX XXXX XXXX XXXX bank conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXX XXXX  XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
Since XXXX of XXXX I have been dealing with Identity theft, after filling a police report when my purse was stolen out of my car, with all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my XXXX unemployment card was stolen. Which resulted in someone taking over {$25000.00} from me during the pandemic. I have sent off credit reports and dispute letters with police report attach to Trans union requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit report. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Please validate

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 2024-02-14 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: GA

Complaint narrative:
I've recently checked my consumer reports and noticed that is serverval credit cards that I have NOT APPLIED FOR. THE CARDS GO AS FOLLOWED. 
1. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX 2. XXXX ACCOUNT NUMBER XXXX 3. XXXX ACCOUNT NUMBER XXXX 4. XXXX ACCOUNT NUMBER XXXX According to fedral law your in violation, did not apply for these cards and do not wish to have theses accounts furnished on my consumer report. By law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
See the attached support screen shots from XXXX and from myEquifax dashboards as well as previous complaint XXXX and my feedback which was done within the due date. 
I also spoke with equifax directly today to dispute because they were still report the XXXX account as XXXX with a {$0.00} XXXX in collections. It is CLOSED,!!!! I have an additional XXXX XXXX account in good standing not in collections either -do not confuse the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
This company says I owe for XXXX. I requested a verification of debt none was given. The representative was rude, I told him this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-14 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: MO

Complaint narrative:
I am writing to follow up on our previous communication via CFPB, concerning discrepancies within my credit report. Once again, I find myself deeply troubled by the presence of unfamiliar entries on my report, and I believe it is crucial to underscore the seriousness of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: MO

Complaint narrative:
I am writing to follow up on our previous communication via CFPB, concerning discrepancies within my credit report. Once again, I find myself deeply troubled by the presence of unfamiliar entries on my report, and I believe it is crucial to underscore the seriousness of 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 2024-02-14 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NC

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: Westlake Services, LLC
State: WA

Complaint narrative:
XXXX credit card sent me letter to confirm XXXX disputes I have costing more than {$600.00} total taken from my acct. They state after investigation they are going to credit my acct. Ive called several times cause I never saw credit & asked for proof of credit. Kept getting the run around. XXXX  has taken out {$13.00} a month from my acct from XXXX XXXX XXXX for service to an XXXX XXXX that I cancelled service to in XXXX. When the co changed hands from XXXX to XXXX & transferred my acct to XXXX in XX/XX/XXXX, is when they started charging me for XXXX service. Whereas XXXX had it cancelled properly. I complained & explained that I dont even have a XXXX  SIM card to use the watch which should prove that u didnt have or want use of it. I have letters showing that acct is inactive but they wont reimburse me. 
Wilshire Consumer Credit has misreported deragatory info to credit bureaus XXXX times. Ive contacted them about mistake but was not helped. XXXX XXXX XXXX XXXX XXXX XXXXXXXX has reported deragatory info to my credit bureaus & have stated I live in CA which is showing now on my credit. When I tried getting credit in XXXX state where I live, theyre telling me my credit report shows I live in XXXX so Im denied.

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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: IN

Complaint narrative:
I hereby am writing Monarch Recovery Services Inc. to inform you that you have broken the law by knowingly, intentionally obtaining, possessing, transferring, and using my personally identifiable financial information aka non-public personal information from XXXX XXXX  by way of Identity Theft ; acting in bad faith ; using unfair business practices to extort payments on an extension of credit which is a crime pursuant to 18 U.S.Code 242 and 18 U.S. Code 894. Furthermore, Monarch Recovery Services Inc. with lack of permissible purpose ( 15 U.S. Code 1681b ( a ) ( 2 ) obtained this account as a result of misrepresentation, fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) and Identity Deception IC 35-43-5-3.5, Fraud IC 35-43-5-4 and Crime Deception IC 35-38-1-2.5. 

[ see attached document ( s ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
In XXXX my identity was stolen. This was corroborated by numerous private companies such as XXXX XXXX, XXXX, XXXX, and XXXX 

I filed the necessary reports with the Federal Trade Commission, and the XXXX, XXXX Police Department. 

After being rejected time and again for various financial products, including things as simple as a checking account, I decided to take a closer look into who was making these decisions, when I never abused any financial products to begin with. 

I learned of XXXX XXXX XXXX ( Bank Owned ), and ChexSystems ( Not Even Accredited by the XXXX XXXX XXXX  ). 

I was shocked to find out that they had self-governing power to essentially put whatever they wanted on a person 's consumer report with absolutely no oversight. As an example, a person using someone else 's social security number can simply make as many attempts as they want to open fradulent bank accounts, and the person who owns the social security number legitimately suffers and is penalized as a result, and there is no recourse for challenging this behavior. 

My identity had been stolen, and these parties clearly had a vested interest in ensuring that I paid back debts that didn't belong to me in the first place, or they would " blacklist '' me from the US banking system. 

I filed a FOIA request from the FTC and provided the documentation to both companies. They ignored what I sent to them entirely. The report I filed with the FTC clearly displayed the financial institutions that had been taken advantage of by a criminal using my social security number, and in many cases, even the dollar amount. 

I want to emphasize that even though these organizations directly received documentation from the federal government corroborating that I was a victim of identity theft, they did absolutely nothing, and to this very day I am constantly denied basic financial products and am constantly receiving alerts from XXXX XXXX stating that my social security number had attempted to be used once again.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
THE XXXX AND EQUIFAX HAVE LISTED MY ADDRESS WRONG AND THEY DID NOT COMLY WITH MY REQUEST

Company response to consumer: Closed with explanation