vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-09 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: NJ

Complaint narrative:
I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.

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 2024-03-09 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: NJ

Complaint narrative:
I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX  XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow-up to complaint XXXX. 

My complaint was closed based on the response from the bank. 

The bank claimed that it sent me two letters notifying me about the risk of my account being closed. 

I have reason to believe that the bank falsified the notices. I have never received any of the letters referenced and attached to the bank 's response. Had I seen a notice about one of my oldest accounts being at risk of closure, I would have definitely used the credit card. 

Additionally, I have been subscribed to all electronic communications from the bank. Nevertheless, there are no such notices available in neither my online banking nor in my emails. 

I believe the bank is lying about the notices as it is hard to believe that XXXX failed to deliver the letters on two occasions ( the address noted on the notices attached to the response is accurate ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-09 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: WI

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on the letter. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 2024-03-09 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: WI

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on the letter. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX Bankruptcy  XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX as of today XXXX  I can not access my consumer report from experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-03-09 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: WI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -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 explanation
Consumer complaint received 2024-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have sent a letter as a federally protected consumer opting out of any and all authorization I the consumer may have given written, verbal or non verbal per 15 usc 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I have sent a letter as a federally protected consumer opting out of any and all authorization I the consumer may have given written, verbal or non verbal per 15 usc 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
First Source Advantage contacted me and told me that I could not stop their phone calls. They demanded large amounts of money upfront. They lied to me about being able to negotiate the debt, as they then mailed me settlement offers.

They never mailed me any information that would verify owing them money, nor did they verify my payments, but they have taken money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Nelnet, Inc.
State: AR

Complaint narrative:
In violation of the Education and privacy act, I signed the privacy form stating that the school will not provide transaction information to any third party companies. The family and educational act of 1974. As a federally protected consumer I opt out of any and all authorization I the consumer may have given written, verbal or non verbal per 15usc6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: LEXISNEXIS
State: WI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : Experian : XXXX XXXX Bank Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - =======XXXX : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXXXXXXXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-09 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on it. Please remove these accounts from my report ; they are hurting my ability to obtain credit.

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a CitiBusiness Streamlined Business Checking account. The account came with a promo offer ( provided by the banker in-branch ) that would be satisfied if I deposited {$20000.00} within XXXX days ( I did so on XX/XX/XXXX ), maintained that balance for XXXX consecutive days ( I did, withdrawing only after XX/XX/XXXX ). The bonus of {$750.00} was due XX/XX/XXXX, due to the language " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within XXXX days from the end of the month in which you complete all offer requirements. '' However : It was not credited. On XX/XX/XXXX I contacted Citi over live chat, who directed me to phone support, who insisted on a bonus code which was not printed on my offer. I then contacted my business banker at the branch, who did not reply. I no longer have confidence Citi is interested in fulfilling their side of this offer - paying out the {$750.00} bonus- and need to escalate the matter via a CFPB complaint.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self Financial- Lead Bank is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of XXXX. 

How can I owe them when it was my own $ that I was using.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Three different associates with invalid Company Names and Addresses contacted myself and both of my siblings about a debt from XXXX  on a Visa Signature Wells Fargo Card for a certain amount that was unpaid. They had 3 different addresses, likely found online, for me. I received dark web activity on my credit alert prior to these calls. With no credit listed on my account or collections listed from wells fargo. Last year a man also claimed to be calling to serve me documents and continued to call with a different accent over the course of a year, named XXXX XXXX from an address that did not exist in XXXX XXXX Ca. Most recently they have claimed to be calling from my county to threaten to pursue legal action. When I asked the the statute of limitations on the account in question she simply said they want to collect for wells fargo. I have advised to cease and disist, however it seems a new name and person is handed my number.

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 2024-03-09 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: NC

Complaint narrative:
I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX : XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} Acceptance Now Open Date : XX/XX/XXXX XXXX Balance : - Acceptance Now Open Date : XX/XX/XXXX XXXX Balance : - =======Equifax : Avant / Webbank XXXX Date : XX/XX/XXXX XXXXXXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXXXXXXXXXXXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.

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