vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I retrieved my credit reports and seen some hard inquires on my reports and I need them removed immediately.

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 2024-05-20 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: TN

Complaint narrative:
To whom it may concern, I just recently looked at my credit report. I recently reviewed my credit report and noticed an account that was not reporting accurately. Can you reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report

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 2024-05-20 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: TN

Complaint narrative:
To whom it may concern, I just recently looked at my credit report. I recently reviewed my credit report and noticed an account that was not reporting accurately. Can you reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent the copy of my social Secuity number and driver 's license multiple times along with a cover letter and have called them multiple times with no resolution in site,,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting act the account below has violated my federally protected consumer rights under 15 USC 1681. 

Account name : # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. ( Which were given through email on XX/XX/XXXX ) 15 USC 1681c ( a ) ( 5 ) 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 USC 1681s-2 ( a ) ( 1 ) states 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. 

On XX/XX/XXXX, I filed an order to show cause to vacate judgement, which was approved in court. 
On XX/XX/XXXX, I wrote indicating that I had no responsibility for the debt.

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 2024-05-20 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting act the account below has violated my federally protected consumer rights under 15 USC 1681. 

Account name : # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. ( Which were given through email on XX/XX/XXXX ) 15 USC 1681c ( a ) ( 5 ) 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 USC 1681s-2 ( a ) ( 1 ) states 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. 

On XX/XX/XXXX, I filed an order to show cause to vacate judgement, which was approved in court. 
On XX/XX/XXXX, I wrote indicating that I had no responsibility for the debt.

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 2024-05-20 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:
Please delete this tradeline off my credit report! 
This account was closed and does not belong to me! My mother took me off as authorized user. 

Account number : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Fraud Complaint Regarding Unauthorized Transactions on XXXX XXXX XXXX Account at TD Bank Dear Sir/Madam, I am writing to formally lodge a complaint regarding fraudulent activities that occurred on the business checking account of XXXX XXXXXXXX XXXX at TD Bank ( Account # : XXXX ) between XXXX and XX/XX/2022. During this period, multiple unauthorized transactions were conducted on the account without the consent or knowledge of any member or employee of XXXX XXXX XXXX. 

The origin of this fraud is linked to a prior identity theft incident involving XXXX, the owner of XXXX XXXX XXXX. His personal information was leaked on the dark web due to a data breach from XXXX. Despite XXXX efforts to secure his information, the unauthorized transactions continued on the business account. Upon noticing these irregularities, XXXX promptly contacted TD Banks customer support to report the unrecognized transactions and confirmed that he did not authorize them. 

Unfortunately, TD Bank failed to stop these transactions in a timely manner. The account remained active and continued to accrue unauthorized transactions until it was eventually closed at the beginning of XX/XX/2022 with an overdraft balance of {$430.00}. This account was subsequently sent to collections, which was an unfair outcome given the circumstances of the fraud. 

Recently, when TD Bank reopened the account for business purposes, a member at the XXXX XXXX in XXXX XXXX, PA confirmed that XXXX had indeed called to report irregularities on the account. Despite this confirmation, the negative balance and collection record still remain, reflecting poorly on the companys profile. 

XXXX, as the owner of XXXX XXXX XXXX, respectfully requests that the negative balance and collection record be removed from the companys profile. This fraudulent activity and the subsequent mishandling by TD Bank have resulted in a detrimental outcome for the business, which we believe is unjust given the circumstances. 

We would appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please feel free to contact me if you require any additional information or documentation regarding this complaint. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to rent an apartment and they need to pull my credit via Experian. 

I am unable to log into my account to unfreeze my credit score. I have tried calling and there is no human being available to speak with. I also tried requesting my credit score via Experian to show to my landlord and every time I do that there is a system 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 explanation
Consumer complaint received 2024-05-20 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: NC

Complaint narrative:
On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and Transunion would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXXXXXX XXXX XXXX and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and XXXX would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXXXXXX XXXX XXXX  and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.

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 2024-05-20 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: IL

Complaint narrative:
XXXX added a line to my cell phone account that they claimed was a free line without my knowledge or consent. After I canceled my XXXX  account they continued to charge the unknown line on my account then sent it to collections without explanation.

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 2024-05-20 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:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-20 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: TN

Complaint narrative:
To whom it may concern, I just recently looked at my credit report. I recently reviewed my credit report and noticed an account that was not reporting accurately. Can you reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Money Stash, L.L.C.
State: MO

Complaint narrative:
On Monday XX/XX/year> I received a call from XXXXXXXX XXXX XXXX is what the lady said on the voicemail. The number that came up on caller ID is ( XXXX ) XXXX. I called the number back to see what this is about and a woman named XXXX is working on collecting a debt for a payday loan. I told her my lawyer 's name and not to call this number again. I have filed for XXXX XXXX bankruptcy and have been officially discharged as of Friday XX/XX/year>. Debtors are now barred from reaching out to me whatsoever. She said she will take me out of the system but I have also received a call from a XXXX number that according to robocall killer is another number they have.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My account was restriction on XX/XX/XXXX. Received a notice in email stating my balance is XXXX XX/XX/XXXX. Called social security to inform them my account is XXXX dollars. Social security stating there is no asset recovery and chase bank stating funds are mine. Return to chase bank where they stated I was going to get a check and notice that was sent out on XX/XX/XXXX. It now XX/XX/XXXX haven't received anything returned to chase now they are stating they don't know and never told me anything about check. Getting the run around still can not get social security turned on until I get letter from chase stating why account closed and where funds are going please help me this is stressing me out. I don't understand what's the problem why can't they just give me something in writing this is illegal thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: KY

Complaint narrative:
Fraudulent Charge on Citibank Credit Card - Request for Assistance I traveled to XXXX from XX/XX/2024, to XX/XX/2024. During my trip, on XX/XX/XXXX and XXXX, 2024, there were several fraudulent charges on my Citibank credit card. 

Upon returning from XXXX, I formally filed a complaint with Citibank and reported these transactions as fraudulent. 

Today, I called Citibank, and they denied my fraud claim, holding me accountable for these transactions, which I did not make. The total amount in question is approximately {$1000.00}. 

I kindly request your assistance in resolving this matter with Citibank as soon as possible. I have attached my transaction statement highlighting all the fraudulent charges.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
This company has been reporting an inaccurate and unauthorized account on my personal credit report. The debt being reported is due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
PLEASE BLOCKED AND REMOVED I did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
This company is reporting an account that was not opened or authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
My credit card has payments and credits at an amount I dont understand. It also has transactions I dont know anything about and they had a transfer of 15.

When I call them they say they cant see credits then three people later they say they see on their side now. 
I believe they are trying to get me in trouble with Social Security or something. 
Please look at downloaded documents and transactions that are unexplainable. 
Thank you My new phone number is XXXX And my new email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
Incorrect name
incorrect addresses
FRAUD NOT ME NOT MINE PLEASE REMOVE
Credit bureau reporting 
XXXX XXXX  POTENTIALLY NEGATIVE
Balance
Balance updated XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX  Balance updated
XX/XX/2024
XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
Balance
Balance updated XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
LATE PAYMENT
Balance
Balance updated
XXXX XXXX  Balance updated
Collections
XXXX XXXX XXXX
Original creditor XXXX XXXX XXXX XXXX.
Balance
$XXXX  Balance updated
XX/XX/2024 XXXX XXXX XXXX
Original creditor XXXX XXXX
Balance
$XXXX
Balance updated
XX/XX/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