vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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 inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the XXXX credit bureausXXXX XXXXXXXX, and TransUnionwithout success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including XXXX, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident. 
Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions. 
Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : XXXX : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, 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 2023-11-21 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: FL

Complaint narrative:
I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the XXXX credit bureausExperian, XXXX, and XXXX success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including XXXX, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident. 
Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions. 
Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : XXXX : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, 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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  XX/XX/XXXX I had to drive the citie bank becouse I was having an issue with my card not working and I couldn't log in with my credentials and every time I tried calling to see if I can resolve the issue they would rudely hang up on me becouse they could not verify my phone number witch I was using that very number to talk to them on .so I went in today spoke to some one to see the issue I wanted answer and what was said to me was that wasn't the only account I had with them that I had a prior account before this one I asked can I see what transaction the only thing they said was there a fraud alert this is the second account I had with them and it was being closed due to fraud and they would mail me my check I had in there and they also gave me the address to the first time I opened it was to my grandmothers address I never used that address in my life so something was vary odd about that a note I might add my family member is really into doing fraud and I suspect that it was my sibling that did all that becouse they stole from me before I just didn't know how to prove it my state pandemic checks every single one was sent out to me and was cashed but not by me i never saw a dime of it and now this account with citie bank is all screwed up and its all coming together and making sense i really need help fixing what is being done to my identity and accounts I worked all my life I should have been blessed to get my stimulus and bank account and my identity is worth alot and these fraudsters just stole my life just like that its not fare I am homeless and my identity is all messed with I worked so dam hard for what I had coming to me please help me figure something out I just don't know what to do or were to start.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX 3. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Account was closed XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. Chargeoff can not report balance XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Chargeoff can not report balance XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

XXXX  days should be enough time to get back with me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX XXXX ; EXPERIAN located in XXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a dispute with the Early Warnig company where he kindly demanded that certain information be reviewed in my credit report, which was outdated, incomplete and even without information. 

I requested that this information be disputed with the corresponding companies so that it could be modified, corrected or removed from my report. Unfortunately, as the weeks went by, these companies reported that the information was correct and accurate. On XX/XX/XXXX, I made the dispute again detailing the information that is wrong and even the outdated or incomplete information of my report, so that it was again corrected, or removed from my report. 

On XX/XX/XXXX, I received an email notifying me that my dispute is frivolous and that I can not dispute this information because it is correct, where in the tests you can see that it is completely incorrect, but in a very unpleasant way, the agent who attended me informed me that they can not do anything that they do not have the obligation to report anything again or remove any information, where they are violating the FCRA laws that requires that all the information they present in my report must be correct and accurate or Otherwise, this information should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a notification that my Best Buy Citicard payment was past due. I was confused as I had not purchased anything on the card for several months and was unaware the card had a balance. Upon review, XXXX XXXX at Best Buy charged me for a membership in XX/XX/XXXX that was cancelled in XX/XX/XXXX. At first, they refused to refund the money but eventually said they would in XXXX business days. As of 7 days, I called back to confirm the refund and their response was it takes up to 10 days. No one can tell me why the estimated timeframe changed and no refund is pending. I am receiving additional emails stating my card will be suspended and upon communicating this to Best BuyXXXX XXXX XXXX XXXX no one cared. I have the receipt of return of the membership from XX/XX/XXXX and they refuse to admit the membership was charged in error.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion has not shown proof that this account is mines. Credit XXXX has failed to show this account is mines. I did not authorize or open an account with XXXX Bank. This account is a violation of XXXX us XXXX false and misleading representations for my credit report. This account is damaging my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: FL

Complaint narrative:
Tuesday XX/XX/XXXX {$170.00} was withdrawn from my checking account without my consent. I immediately contacted Albert to issue a refund and have been giving the run around. I am requesting that my funds be refunded immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Creditors Bureau is asking for {$70.00} dollars more that what is owed to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) The breakdown of the original amount due, what ways paid, was is still owed doesn't match at all with the medical service amounts. 

When I called the Creditors Bureau, they pretended that this was what the medical service gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
Ive received a 90 day late notice from Heartland ESCI ( attached to complaint ) dated XX/XX/2023 indicating that Im 90 days past due on an account I do not recognize. I also received a 105 day notice on XX/XX/2023. I've never established a business relationship with Heartland ESCI nor with XXXX University. Ive never received any servicing communication from either of these entities until receiving this notice which feels deceptive. How can I be 90 days or 105 past due on a loan Ive never originated or received the benefit of the loan proceeds? 

Additionally, Im afraid that this is a scam. Im a former XXXX in the United States XXXX and thanks to my service have never had the need to take out a private student loan, certainly not one at 15 % interest. Ive never been enrolled in or taken courses at XXXX University. Ive not received any information related to this account prior to the 90 day late notice. I believe these are private student loans but Im unsure as Ive never approved the origination of a loan in my name at XXXX University. Im afraid to call any of the numbers included on these notices or online in case this is a phishing scam. The 90 day notice sent contains multiple unnamed XXXX XXXX XXXX and fails to provide any information as to what to do if I believe Ive been sent this notice in error. 

On XX/XX/23 I drafted a formal letter and sent this notice to XXXX XXXX XXXX ( listed on the reverse of the letter ) and XXXX XXXX  XXXX ( listed on the front of the letter ) asking for Heartland ECSI to provide me with more information related to this account but also asking for more information to ensure that Ive not been the victim of identity theft. These letters were sent certified mail on XX/XX/23. As of XX/XX/2023 I have not received any response. The notice containing two XXXX XXXX XXXX is confusing. Im confused as to how best to contact the firm without providing additional information about myself and potentially enabling further identity theft. 

I believe this letter may be a scam as the reverse of the letter, nor the website, have a place where consumers without established accounts may submit a formal complaint or request assistance. I dont know how to contact this firms security department with my allegation of potential identity theft. Im not sure how I can best inform and thus protect myself from potential monetary harm or non-monetary harm such as negative credit reporting on a loan Ive never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
Every single time that my payroll is deposited, I'm only allowed XXXX cash withdrawal on my card within a business day. XXXX has falsely stated that customers can make daily cash withdrawals within their daily limits when in fact that is not true. My daily cash limit is {XXXX}. I can't withdraw that amount in XXXX transaction so every time I attempt to make a XXXX  withdrawal, it's declined. XXXX  has stated that it's a red-flag security feature and that customers should wait XXXX minutes before attempting a XXXX  withdrawal. Time after time even after the XXXX minute wait, my XXXX XXXX withdrawals are always declined. A XXXX XXXX manager advised me today to wait either an additional business day to make a withdrawal or to go into a bank and make a cash advance. XXXX XXXX has falsely presented itself to my employer as a trusted provider for business payroll services when it is in fact not. What is stated in their disclosure and fees does not reflect what customers are experiencing. Why should I be subjected to only {XXXX} of my hard earned money every time that I am paid? XXXX XXXX is based in the United States. I make all my cash withdrawals in the United States yet XXXX XXXX charges me an XXXX ATM withdrawal fee of XXXX} when their fees and disclosures shedule states that there's only a {XXXX} fee for domestic withdrawals. I'm in the XXXX on XXXXXXXX XXXX It's absurb. XXXX XXXX will say anything to get into business with employers regarding payroll services but they also need to be held accountable for the promises they claim yet fail to deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-11-21 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: WI

Complaint narrative:
XX/XX/2023, I sent letters to Experian, XXXX and XXXX about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX XXXX$1400.00} ACCOUNT # 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