vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: PA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Saturday, XX/XX/XXXX at XXXX received a text message stating Harris & Harris is a debt collector who collects for the OK toll authority, that I owe {$49.00}. I live in Indiana and did not ever travel through Oklahoma to warrant these charges. They have the account XXXX for the XXXX XXXX XXXXXXXX listed but no dates, no reference information/details. 

Yesterday, I received a second text requesting the amount of {$49.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from the following account. I want it blocked & removed immediately. XXXXXXXX XXXX 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 2024-06-07 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: NY

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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. 
XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 
15 U.S. C 1681 section 602A has violated my right to privacy.

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

15 U.S. C 1681c ( a ) ( 5 ) States that any of the following information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 US C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NY

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT 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 non-monetary relief
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A vendor requested payment through Venmo. 

I created an account with Venmo and sent the payment. The Venmo terms disclosed that they charge a XXXX  % fee for sending the money. I was ok with this fee. 

Next month when my credit card bill arrived I discovered that Venmo had processed this payment as a " cash advance '' which resulted in a {$10.00} fee in addition to interest penalties. 

Venmo never disclosed that they were going to process this as a cash advance which has these substantial fees and incurs interest. They only disclosed a XXXX  % processing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MI

Complaint narrative:
( XX/XX/year> ) - I attempted to conduct business with XXXX XXXX but they use LexisNexis to verify identity and were unable to do so because they informed me there is a security freeze in place that I need lifted. 

( XX/XX/year> ) - I attempted to remove the security freeze using the LexisNexis website which allows for this online ( XXXX XXXX XXXX XXXX XXXX XXXX ) but the request failed because it says I need to provide a security PIN. I was never issued any security PIN and had none to provide, so I followed the steps listed to request a security PIN, including uploading a copy of my photo ID and my social security card, and selected the option to request a PIN be mailed to my address. The website accepted the submission and told me a PIN would be arriving in the mail soon. 

( XX/XX/year> ) - After not receiving anything in the mail for two weeks, I contacted LexisNexis via their support phone number at XXXX to follow-up on the status of where my security PIN is. I was told I needed to open a case using their website because without an open case number, they can not assist me via telephone. 

( XX/XX/year> ) - I used the LexisNexis website support link XXXX XXXX XXXX XXXX XXXX XXXX to open case XXXX explaining that I requested my PIN and have not received it nor any other response from their agency in 14 days and wanted an update on my case. I immediately received an automated message that my request was received and I would hear back within 24-48 hours. 

( XX/XX/year> ) - I received a follow-up email from LexisNexis that XXXX not address my issue and seemed to be some sort of scripted template email which provided common answers to common questions and directed me back to the website which I originally used to request the PIN. 

( XX/XX/year> ) - I called the support phone number above this time providing the case number. I was kept on hold 43 minutes until I was able to speak with an agent who has difficulty understanding me because English was not their native language. The representative spent over five minutes asking me several personal questions to verify my identity saying that was required before they could address any aspect of my existing case. After verifying my identity, they told me they needed to place me on hold then ended the call. 

( XX/XX/year> ) - I mustered up the motivation to attempt to call back as I still have not received anything from LexisNexis. It was basically a repeat of the call from XX/XX/year> but with a shorter hold time. They require a lengthy process to verify identity before allowing any discussion of the case and upon identity verification, they say they have to put you on hold instead of addressing any reason why you called but they just hang up. At this point, I can not find any way to request resolution to my issue and am still unable to do business with XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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 2024-06-07 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
Based on the records within the CFPB portal and dispute letters with Transunion, I've been disputing several negative items on credit report that are not mine. I've produced Fraud Reports, XXXX Data Breach documents, and several other supporting documentations proving the account ( s ) are not mine. Still till this day, TransUnion refuses to remove the negative items on my credit report stating on my credit report that the items have been " Updated and Verified ''. If expressed to Transunion that I do not agree with their investigation results and will like to see the details on how they investigated each account disputed. I have not heard back from TransUnion since XXXX which has been well over 30 days. 

In addition, the negative items on my report have denied me of credit and denied me of proper housing which has affected my living arrangements to lead me to being homeless. I'm reaching out to the CFPB and several federal agencies for JUSTICE. 

The negative accounts on my report that need to be deleted are : XXXX XXXX  ( XXXX ) {$480.00} XXXX  XXXX ( XXXX ) {$430.00} XXXX  XXXX ( XXXX ) {$800.00} XXXX ( XXXX ) {$110.00} XXXX XXXX ( XXXX ) {$1800.00} XXXX XXXX XXXX  XXXX XXXX ) {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from the following account. I want it blocked & removed immediately. 1.XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from the following account. I want it blocked & removed immediately. 1XXXXXXXX XXXX XX/XX/2013

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 2024-06-07 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2024-06-07 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: NV

Complaint narrative:
This is my first endeavor 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$910.00} XXXX 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 non-monetary relief
Consumer complaint received 2024-06-07 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: NV

Complaint narrative:
This is my first endeavor 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} CAP XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$910.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/24 chase bank put a hold on my checking account because of 3 mobile deposits. Amounts were {$750.00}, {$1500.00}, and around {$980.00}. These deposits were printed checks from my sons horticultural company, Chase said that these accounts could not be found at issuing bank which is not true. They returned the deposits and put a hold on my account. On XX/XX/24 I was supposed to receive my direct deposit from my employer in amount of roughly {$3700.00}. After trying to figuddd out how to access my paycheck from the Chase account it was deposited into Chase said the account was going to close and k couldnt use any atm or other means of withdrawal funds. It is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a secured credit card with TD Bank USA and the account was sent to collections. 

The company is called XXXX XXXX XXXX XXXX XXXX. TD bank confirmed to me that i would have my {$500.00} secured deposit returned to me since it was sold it a 3rd party. Today he balance was deducted from my account and td bank kept the deposit. I need help getting my depsot back to me since the 3rd party now owns the account and the remaining balance was conformed by td bank that its to be returned to me but they kept it instead/

Company response to consumer: Closed with monetary relief