vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ( XXXX ) XXXX This Letter is in Reference to Late Payment with Account Number [ XXXX ] I was affected by extreme financial hardship and medical problems ; I became seriously behind on several bills. While I normally make great efforts to honor my debts and fulfill my responsibilities, at the time of the late payment I was simply financially not able to pay my bills. 

Under the 15 U.S.C 1681 Law there should not be any damages on my report, and it is a defamation of character. 
I have since gotten on track and brought my account up to date with your company. 

I am now trying to get a loan for my Business, however i am having difficulties receiving an affordable rate. The impact of having late payment on my credit file. I am hoping that your organization can consider removing this late payment from my credit report as a gesture of goodwill. this kind gesture would since be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: WA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank " Capital One '' opened a credit card in my name without my request, consent or signature. I was never client that bank. I do not have no one card of " Capital One '' bank and don't have any account in that bank. However, the bank is fraudulently lowering my credit rating and extorting money from me, demanding that I pay for dont understend what. 
I called this bank, informed them that I had not requested, received, and did not want to receive any additional cards. I told them that I considered this fraud and extortion and that I did not want to have anything to do with them. I demanded that they stop damaging my credit rating and damaging my reputation. However, they continue to do this. 
In XXXX, my credit score was XXXX. Within two months, these extortionists reduced the rating to XXXX. 
Can you help get rid of these scammers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
PayPal has been negligent in investigating the following case : Case ID : XXXX Disputed amount : {$52.00} USD Seller info : XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX These were the problems with my XXXX order, which I have communicated to PayPal : The rattan volatile sticks lacked aroma ( false advertising and defective ). The door draft stopper was defective and unable to seal the bottom of the door, even though they were effectively advertised to be able to seal the bottom of the door. The two canvases were sold in deteriorated condition and falsely advertised as being in a frame. 

PayPal has not responded to my recent call or chat messages and has not provided me with seller 's evidence, which I have been trying to and have requested. PayPal is asking for proof of return, when I already provided a screenshot of the XXXX online portal showing the merchant 's refusal to generate a return label ( order ID, etc. included ) both in the original dispute and in my recent reply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MO

Complaint narrative:
This company is in violation on my consumer right that don't follow the FCRA laws. This company reports yo the credit bureaus telling them they verified the account which shows there has been no correct updates to to show that the account been verified. I also can show that the debt they referring to was transferred to another lender so how could that account be verified and still showing on my credit file. I have proof of many descriptions showing the misleading information they continue to report on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: MO

Complaint narrative:
This company is in violation on my consumer right that don't follow the FCRA laws. This company reports yo the credit bureaus telling them they verified the account which shows there has been no correct updates to to show that the account been verified. I also can show that the debt they referring to was transferred to another lender so how could that account be verified and still showing on my credit file. I have proof of many descriptions showing the misleading information they continue to report on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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 am a victim of identity theft all 3 credit bureaus was notified and another accounts and inquiries was added to my credit report that was not me. these accounts are my police report XXXX account opened XX/XX/XXXX XXXX account opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Hard Inquiries XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my wallet and cell s stolen my accounts hacked and the took all my pandemic money i filed claim mad police report and claim was denied the bank a year latter ut it up for review and approved three claims and now they denied two claims that where filed the same day bank of america employey that filed my claims wrote claims wrong there where duplicates and they still filed them never giving me the option to fix the mistakes insteed they processed them and let them get denied the ifromation they used to deny my claims is the same they ussed to approve three they went over the time limets and never offerd pervisinol credit insteed they say i atherized the charges that aint true i got locked out my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-12-12 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX XXXX XXXX on XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. UPDATE : ATTACHED IS THE USPS TRACKING INFORMATION SHOWING DELIVERY OF THIS LETTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
I am requesting that it will be removed from my credit report as soon 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 2023-12-12 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: MI

Complaint narrative:
I am aware that, despite customers providing precise information, your responses to numerous disputes, complaints, and challenges have been using pre-written standard form letters. I understand that this practice is unlawful because each customer complaint should be individually considered and addressed accordingly. 

My letters have been created using readily available software accessible to everyone. Choosing not to process or address my letters would violate 15 U.S. Code 1681i. Delays in processing consumer letters based on the assumption that third-party assistance may be available are illegal and do not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Failure to respond to my correspondence promptly will be interpreted as a willful disregard for my customer rights, and I will be compelled to involve my lawyer and pursue legal action.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe to be inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Therefore, I take this matter seriously.

The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to accept any misinformation associated with my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report is paramount. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the information presented.

It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that you know do not meet regulatory requirements is unacceptable. We must ensure that all claims are accurate and reported in the appropriate format mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with the utmost care and diligence. 

XXXXXXXX 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 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I transferred money online from my Bank of America account to my personal account, XXXX XXXX. {$1700.00} I mistakenly selected Bill Pay, selected XXXX XXXX  in my name, and transferred it. However, the money did not arrive at XXXX XXXX, so I visited the XXXX branch and asked a XXXX to confirm it. He gave me his contact information and said he thought the money was sent because I had made the wrong settings. So, I called the phone number they gave me, but they asked who I had paid the bill to and said they would check and contact me, but they ended the call as soon as the interpreter left. There was no contact after that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive opened an account with citi bank back in late XXXX into early XXXXHowever through the days and weeks of the open opened there were nothing going on to the point where citi bank had to close my account out of the middle of no where .Ive made regular deposits at the teller, Ive withdrawn regular money from my job, also made regular purchases that werent fraudulent or anything if that nature .One day Im in the line waiting to order food at XXXX and I go to citi bank app to unlock my card and I see that my accounts closed .This was XX/XX/XXXX, i immediately called citi bank and had to be on hold for 20 minutes before I even spoke to anyone then when I spoke to someone and explained the matter they were rude about it and never gave me a answer to why my account was closed .So the next day I go to the branch they didnt even allow me to fully talk, I said my account closed they immediately told me I had to leave the bank and they couldnt help me then I went to other branch where they sat me down for 30 minutes just to say the same thing .So now for the last 60 days Ive been calling and going into branches and dealt with nothing but attitudes and disrespect with no help .Now finally last weekend Monday Ive spoken with a supervisor on customer service and she had told me that a check was already written in my name for them to send over to me for the remaining balance in my savings account where all my money was .So she told me itll be to me by last weekend and it still hasnt came .So Ive called all last weekend and this weekend now I call this week they have no check in my name and they have to send me a verification to verify that it was me they were talking to and everything .Ive still never gotten a reason to why my account was closed now over 69 days and theyve been lying about my check being sent to me in the mail .Citi bank is the worst bank in the world please stay away from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: V and H Portfolio
State: FL

Complaint narrative:
Vance and Huffman LLC, XXXX XXXX XXXX XXXX, VA XXXX Amount stated on all three credit bureaus is {$1200.00}. I have no knowledge of this account from XXXX XXXX XXXX one day it just showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CA

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 number : XXXX has 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 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: MO

Complaint narrative:
This company has continued to violate my consumer rights but reporting inaccurate information to the credit bureaus. I have asked the to show me real proof of a written agreement that I signed or made any agreement too. This company has tried to harass me thru email stating I owe a debt that is not mine. This company still has not show me actul real proof i owe a debt which they bought from XXXX security company which had gotten sued for violating consumers rights.XXXX has closed and opend this account more than 4 times to try and make it seem like tgis debt is new which is another violation.I have proof down below in the description to show.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation