vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2024-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
** On XX/XX/year>, I acquired a Vanilla Visa XXXX  in the amount of {$500.00}. The card is issued by XXXX, XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX. The Card is distributed and serviced by InComm Financial Services , Inc . 

** When accessing the card account on-line it shows an available balance of {$500.00}, as it should. However, card transactions always get declined ( Not authorized ) for both in-person and on-line transactions, at supermarkets and utility providers. 

** I subsequently contacted customer service at the number provided on the back of the card and was assigned XXXX # XXXX. 

** On XX/XX/XXXX, I provided the required materials ( front/back of card, purchase and activation receipt, drivers license w/ address ) by email to XXXX. Subsequently I received a confirmation by email that the information has been received and that it will take XXXX business day for a response. 

** As this response was not forthcoming, I submitted a reminder by email on XX/XX/XXXX. No response as of today either.

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

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed permanently. The following accounts and inquiries are not authorized by me and are the result of identity theft : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} FIRST PREMIER BANK - XXXX - XX/XX/XXXX - {$1500.00} FIRST XXXX BANK - XXXX - XX/XX/XXXX - {$570.00} MACYS/CBNA - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XXXX XXXX, XXXX - {$530.00} SELF FINANCIAL/LEAD BA - XXXX - XX/XX/XXXX - {$530.00} SELF/ATLANTIC CAPITAL - XXXXXXXXXXXXX - XX/XX/XXXX - {$530.00} SYNCB/BRANDSMART - XXXX - XX/XX/XXXX - {$250.00} SYNCB/OLD XXXX - XXXX - XXXX XXXX, XXXX - {$300.00} XXXX XXXX XXXX - XXXX XXXX, XXXX - {$660.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} FEDERAL XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX CARD SERVICES- XXXX - XX/XX/XXXX - {$00.00} LEAD BANK - XXXX - XX/XX/XXXX - {$530.00} XXXX LOAN SERVICIN - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} SUNRISE BANKS XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} SYNCB/BRANDSMART - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX CARD SER - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} SELFINC/LEAD - XXXX - XX/XX/XXXX - {$530.00} Inquiries : XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX FACTUAL DATA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX FCU - XX/XX/XXXX XXXX FCU - XX/XX/XXXX ALLY FINANCIAL - XX/XX/XXXX ALLY FINANCIAL - XX/XX/XXXX XXXX XXXX ACCE - XX/XX/XXXX 2024

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 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a victim of identity theft. On or around 2016, I lost personal information and several cards, including, " driver 's license, social security card, credit cards ''. I believe that my personal information was subsequently stolen and misused by unknown individuals. 
Since this incident, I have discovered multiple fraudulent activities carried out in my name without my consent or knowledge. Specifically : XXXX. Unauthorized Car Loan : A car loan was taken out under my name and information without my knowledge or approval. 
XXXX. Unauthorized Credit Cards : Several credit card accounts were opened in my name, leading to substantial unauthorized debt that I am not responsible for. 
XXXX. Medical Claims : I have also discovered that medical claims were made using my personal information, which I did not authorize or initiate. 
XXXX. Bank Accounts and Inquiries : Unauthorized bank accounts were opened, and inquiries were made into my credit history by various organizations, impacting my credit score and financial standing. 
I affirm that I did not open these accounts, initiate these claims, or give permission for any of these activities. I have taken steps to report the fraudulent activities to the relevant institutions, including XXXX XXXX XXXX Capital One, XXXX XXXX, and am in the process of securing my identity. 
I am providing this statement as part of my affidavit of fraud and identity theft to formally declare that I am not responsible for the above-mentioned transactions and activities carried out under my name. I am fully cooperating with law enforcement and all related agencies to resolve this matter and restore my financial standing.

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

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX XXXX HELPING ME DUE TO XXXX XXXX  FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNT XXXX {$410.00}

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 non-monetary relief
Consumer complaint received 2024-11-11 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-11 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: IL

Complaint narrative:
I am writing to dispute fraudulent accounts that were opened in my name due to identity theft. I have already reported this incident to the Federal Trade Commission ( FIC ) and filed an identity Theft Report ( FTC Reference No. : XXXX ). Attached, please find a notarized identity theft affidavit as well as a copy of my complaint with the FTC for verification. The fraudulent accounts in question are : 1. XXXX Account 2. XXXX XXXX XXXX These accounts were opened without my knowledge or authorization. Under the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. S 1581c-2J, as a victim of identity theft, I have the right to have these fraudulent accounts removed from my credit report. Furthermore, I request that you block these fraudulent items from appearing on my credit report, as mandated by [ 15 u.s.c. s 1681c-2 ] and [ 15 u.s.c. s 1681i ]. To support my request, I have included the following documentation : A copy of my government-issued lD ( to verify my identity ). The notarized identity theft affidavit. A copy of my FTC identity Theft Report. Proof of my address ( e.g., utility bill or bank statement ). Please conduct an investigation and notify me of the outcome in writing. Given the requirements for handling identity theft claims, I expect that this investigation and any resulting corrections to my credit report with be completed promptly.

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 2024-11-11 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: NJ

Complaint narrative:
In XXXX of last year, I entered into an agreement to finance a vehicle from a small dealership in XXXX XXXX, New Jersey. After several weeks of negotiation, I decided to cancel the purchase. Despite canceling the agreement, the dealership received payment for the car, which I never received. 

I spoke directly with the owner of the dealership, who assured me that I would receive a refund for the payment. However, it seems the dealership never processed the refund, and I am still being charged for the vehicle, which I no longer wish to purchase. 

As a result, this situation has severely impacted my credit score, and I believe this may be an instance of fraud or identity theft. The charge is incorrect and does not reflect the canceled transaction. I am being unfairly held liable for a product I did not receive and did not intend to purchase. 

I put the name 's creditor that appears in my credit report. 

Creditor Name : XXXX XXXX Account 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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I tried 5 times on XX/XX/XXXX to deposit money into XXXX  XXXX  app the app kept saying failed transaction.i checked my bank account online and my statement showed my checking account was in the negative and money was taken from my savings account. So I called Td bank and they confirmed that XXXX XXXX took XXXX dollars from my bank account. I said I don't have overdraft .TD bank said they provide overdraft one time for every customer. So I tried to contact XXXX XXXX who closed my account and won't provide me with a transaction report for XX/XX/XXXX. So I called the bank back and disputed the transaction. A day later I checked my transaction report and everything is missing off my bank statement. When I noticed my account in the negative I immediately transferred XXXX from my savings to my checking account. Also now you can't see the money even coming out of my account .TD bank is now telling me my account was never in the negative. Someone changed my bank statement.so after this XXXX XXXX tried to send me back XXXX and the back sent it back to them because I filed a dispute. Now XXXX  transfers money from the bank to XXXX XXXX they are saying they funded my XXXX XXXX account and I owe them XXXX. Nothing was ever put in my XXXX  account and they even tried to send it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This Morning,XX/XX/2024z, National Credit Systems called me at XXXXXXXX XXXX and left a voicemail. They again called at XXXXXXXX XXXX  and left another voicemail. This is harassment. I could not fully catch the callers name but it was the same person both times. I have the call log and voice messages saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The company Lvnv funding has been trying to collect on an account that is not owed to them. I have never had any business dealing with this company! The company has handled the matter in a totally unprofessional way! They are wanting a balance paid to them that is not owed to them! The account they are trying to collect for is not mines!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i have received multiple Overdraft Fess towards my Navy Federal Account despite the fact that my purchase was under the limit threshold of which I would receive a fine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I just went on to check my Equifax and for some reason my XXXX XXXX  account went up by {$160.00} decreasing my credit score by XXXX points. 
They can not increase the balance! First off I already own the Vehicle.i already received the discharge of Lien over a year ago.. And the remaining balance is being garnished from my wages weekly court ordered with 0 % interest. 
I actually do not owe XXXX XXXX anything but the Lawyer XXXX XXXX took this to the Supreme Court XXXX XXXX while the title was still in the companys possession. Then Waited 6 months to send it to the sheriffs civil division to start the garnishment. After the title was already discharged to me. 
I want my credit report fixed they can not increase the balance per court ordered. 
One of the files Im sending shows my XXXX  balance on the XXXX XXXX account.

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

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-11 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: TX

Complaint narrative:
After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score.

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 2024-11-11 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 am writing to formally notify you that I am a victim of identity theft and unauthorized use of my personal information. I respectfully request that you block and permanently delete all the accounts and inquiries listed below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
As stated under these provisions, I am entitled to have any information resulting from identity theft blocked from my credit report. I am asserting my rights under these federal laws to ensure that my credit report reflects only accurate and legitimate information. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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