vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX TransUnion, XXXX XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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 ( AN ( 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.

Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXXL ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) XXXX  / XXXX XXXX ) XXXX  / XXXX XXXX ) XXXX XXXX XXXX / XXXX XXXX ) XXXX XXXX  / XXXX XXXX ) XXXX XXXX/ XXXX XXXX ) XXXX XXXXXXXX / XXXX XXXX ) XXXX XXXX XXXX  / XXXX For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, Equifax XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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 ( AN ( 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.

Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) XXXX / XXXX XXXX ) XXXX  / XXXX XXXX ) TD AUTO FIN / XXXX XXXX ) XXXX XXXX / XXXX XXXX ) XXXX XXXX/ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX / XXXX For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
A month ago I was mailed a check a school district/county I do contract work for. The school district/county 's bank is XXXXXXXX XXXX XXXXXXXX. I have informed delivery through the postal service. The check shown was scanned in another city ( see attached ), but never arrived to my post office box. I tried to be proactive about this but both the post office and school district made me wait XXXX weeks insisting it was just lost. After XXXX weeks ( when I asked for a stop payment ) the school XXXX XXXX found out that the check was fraudulently endorsed and cashed by PNC bank. The perpetrator even had the audacity to sign their own name to back of check ( see attached ). The school district tells me I am the claimant ( they will not reissue me a check ), however I am unable to discuss this with either XXXX XXXX XXXXXXXX or PNC. I filed a report with local sheriff office, but they never get back with me. My own bank, XXXX tells me that I have to be the squeaky wheel, but no one seems to be taking any responsibility for this and I am totally left out of the loop as a victim of a stolen check for almost {$2500.00}. I don't understand why as a victim I can't advocate for myself with the banks or local enforcement. I even filed a report with the US Postal inspector, but they haven't reached out. Could someone PLEASE give me some legal advice? The squeaky wheel approach does not seem to be working. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Partners Financial Services Inc
State: CA

Complaint narrative:
l am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt. I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : 1. Cease and desist all communication with me regarding the alleged debt. 2. Do not contact me at my residence, workplace, or any other location.

3. Do not contact any of my family members, friends, or associates in relation to this debt. 4.

Do not report this alleged debt to any credit reporting agencies. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: WY

Complaint narrative:
XX/XX/XXXX I received a text from LLBean Mastercard alert team. It asked if I had made a {$240.00} purchase just then at XXXX. I was just getting ready to call the number on this text when they called me. In addition to the {$240.00} charge had I also purchased {$2000.00} at Best Buy. I assured them I had not and that my card was in my possession. The LLBean rep said they would take these charges off and send me a new card. Upon receiving the new card a few days later I cut up my old card. However a couple weeks later, around XX/XX/XXXX I received an email stating that, since the card used had a chip, I was now responsible for these charges. I called two times to dispute this and was given CitiBank fraud response team number, since this is the card issuer. I then called them and the rep suggested I contact local police. This I did and XXXX Police subsequently was able to get video at both XXXX and Best Buy of the same adult male purchasing these items supposedly with my card. I sent the police report to Citibank Fraud team in XXXX. I then called them XX/XX/XXXX to check on the case and was told they would reopen my case considering the new police information. However, having heard nothing since, I called Citibank fraud today and was told 1 ) case was not reopened and 2 ) police report didnt change anything because a chip card cant be cloned and it was suggested to me that perhaps it was someone I knew who used my card. This is just not true - since the card was not out of my possession. Also I queried why the statement showing the charges put back on my account ended in a number ( XXXX ) that I had never had- not my old card the charges were made on, nor my new LLBean card that was issued to me. I got nowhere and was told I was still responsible for these charges. I am seriously considering getting a lawyer at this point. I did not charge these items, I do not know how this was done - but someone cloned my card or whatever to make these charges. I should not be held responsible for these 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, XXXX XXXX Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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 ( AN ( 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. 
Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) 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 For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2024-10-15 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: NV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-15 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: IL

Complaint narrative:
This account is showing errors and incorrect information. I have the account name and number. Self # XXXX, I never miss a payment please updated to correct and never late. Please fix or delete this account. Please update to correct. View the history is not correct. Please reinvestagate those late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: IL

Complaint narrative:
This account is showing errors and incorrect information. I have the account name and number. Self # XXXX, I never miss a payment please updated to correct and never late. Please fix or delete this account. Please update to correct. View the history is not correct. Please reinvestagate those late payment.

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 2024-10-15 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: Sezzle Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A section 1 : States that I have the right to privacy.

15 USC 1681 Section 602 A section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) section : states no consumer reporting agency may make any consumer report containing any of the following items if information. Any adverse items of information other than records, of convictions of crimes which abtrdates the report of more than seven years. 15 USC 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 explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-10-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 4. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated 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 2024-10-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated 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