vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Hi I had a XXXX XXXX credit card that was closed due to a fraud listing on the account I received no notice or a replacement card for this account. I want this account fraud to be removed I want a replacement card and this account restored or given a new account.

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 2024-06-10 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: SC

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
The card was almost sent to the wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
Summit Account Resolution claimed to have a valid claim against me but this is not accurate. The instrument known as the contract is the security that is being used for trading for profits. The contract may have been assigned to them but they never actually registered the security for their assignment. This is a necessary action defined under the Securities Act of 1933. They can not do this because they are a third party that has no lawful rights under the Securities Exchange Act. Since this is a security this is a federal matter and if this security is not registered within 14 days of this complaint I will be filing a formal complaint with the SEC as a whistleblower and filing a federal lawsuit against your establishment for various violations of federal law including extortion, securities fraud, and tax evasion. Since I am a holder in due course I have certain rights and defenses that I will explore in the event you continue violating my rights. I have a right to equitable protection since the contract is being held by you and the original creditor. If you do not under this complaint I encourage to reach out to your legal team as I am prepared to sue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX OF XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-06-10 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an erroneous bankruptcy record on my TransUnion credit report. Despite multiple attempts to dispute this record with TransUnion, it has not been removed. The record is classified as a XXXX XXXX Bankruptcy with reference number XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and is listed under the institution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never filed for bankruptcy, and this record does not pertain to me. I have contacted TransUnion multiple times, providing my identification details and explaining that this record is incorrect. Despite this, TransUnion claims that the record has been verified, which I believe is an error. I request that TransUnion conduct a thorough investigation to confirm that this bankruptcy record is not associated with me and remove it from my credit report immediately. Additionally, I would like to know the source they are using to verify this information and request written confirmation of the removal and an explanation of the steps taken to rectify this issue. This resolution would help restore my credit score and alleviate the stress and concern caused by this erroneous record. Thank you for your prompt attention to this matter.

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 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
was XXXX hard inquiries i did not authorize i sent letters to both bureaus and credit companys not no rely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: IN

Complaint narrative:
XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # 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 rights 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. 1681 c. ( 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 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 non-monetary relief
Consumer complaint received 2024-06-10 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: IN

Complaint narrative:
XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX 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 rights 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. 1681 c. ( 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 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 non-monetary relief
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
ive disputed this fraudulent account XX/XX/year> ive attached a copy of the FTC FORM I DID WITH THE DISPUTE. NOW IM ASKING THIS COLLECTION COMPANY XXXX XXXX XXXX  TO PROVIDE itemized statement, THE AGREEMENT BETWEEN BOTH COMPANIES, THE CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
Last year XX/XX/year> - I started with National Debt Consolidation. They fauled my Credit Scores. So now I have low Credit Scores. They seemed good at 1st. Very misleading. So now I have to fix my own Credit Problems. They even had my Credit Cards closed out. Which is Ridiculous & Upsetting to me. This Company shouldn't be in business. They are at fault. They need to fix this. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My debit card was fraudulently used 7 times on XX/XX/XXXX. I did not make or authorize these charges. The bank informed me that they had just sent out a replacement debit card the week prior ( XX/XX/XXXX to be exact ) but I never received it. The bank also confirmed that this card had never been activated. I also filed a report with my local police department. Dates, merchant and amounts are below : I also filed a claim with Regions and the claim numbers are XXXX and XXXX XXXX XXXX 's {$200.00} XX/XX/year> XXXX XXXX {$210.00} XX/XX/year> XXXX XXXX XXXX {$540.00} XX/XX/year> XXXX XXXX XXXX {$430.00} XX/XX/year> XXXX XXXX XXXX {$550.00} XX/XX/year> XXXX XXXX {$22.00} XX/XX/year> XXXX XXXX XXXX  {$14.00} XX/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 monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-10 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: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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

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 2024-06-10 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date XXXX Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/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 2024-06-10 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2024 CAPITAL XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date XXXX Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024 & XXXX  Date of Inquiry XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My venmo account got hacked. So I called customer service to let them know that I couldn't log into my account. Venmo customer service said 3 to 5 days I will receive email from team specialist that handles these types of situations. I never received email. So I called venmo back and the customer service person said that he talked to the manager at the specialist team saying review is done and they will give me access to my account. He said I would remove an email for a link to upload a picture of my id and after I send i will have access to my account and my funds in a hour. I never received that email. The following day I received email from venmo specialist team saying account is deactivated and that my money in my account is going to be on hold for 180 days. I have {$8100.00} in my account. They didn't tell me why my account got deactivated. I tried asking them to release my funds but I keep getting it same answer. I need to pay rent. I am a single father with XXXX children. XXXX XXXX XXXX and XXXX. I'm about to get kicked out if I don't rent. My rent was due on the XXXX. And now it's already the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter. 

The following inquiry was not authorized and should not be reporting. 
Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
ive disputed this fraudulent account XX/XX/year> ive attached a copy of the FTC FORM I DID WITH THE DISPUTE. NOW IM ASKING THIS COLLECTION COMPANY CREDIT CORP SOLUTION TO PROVIDE itemized statement, THE AGREEMENT BETWEEN BOTH COMPANIES, THE CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation