vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to you as a victim of identity theft regarding the recent reappearance of fraudulent accounts on my credit report. Despite the previous removal of these accounts due to fraud, they have been inexplicably reinstated without my consent or notification. 

Despite having provided evidence of fraud and securing the removal of these accounts previously, I recently discovered that they have been reinstated on my credit report without my authorization. This is not only a violation of my rights as a consumer but also a blatant disregard for the evidence of fraud that was previously acknowledged. 

I demand the immediate removal of these reinstated fraudulent accounts from my credit report. It is unacceptable that your company has replaced these accounts without my consent or even informing me of this action. This unauthorized reinstatement not only damages my financial reputation but also undermines the efforts made to rectify this situation. 

I urge you to take immediate action to rectify this matter and ensure that these fraudulent accounts are promptly removed from my credit report. Your cooperation in this matter is essential to restoring my financial integrity and protecting my rights as a consumer. 

I expect to receive a written confirmation of the removal of these reinstated fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-06 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail about a {$50.00} debt due to The XXXX XXXX in XXXX, TX that had been sent to collections with Pro Collect. I paid Pro Collect in full in XX/XX/XXXX, I did not receive any kind of payment confirmation. Went to look at the account today and they are stating I sill owed money, paid another {$15.00} today XX/XX/XXXX. I just want them to stop adding money that is owed that is not real.

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 2024-04-06 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2024-04-06 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccur
ate.

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 2024-04-06 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX 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 of 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 2024-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/XXXX, I noticed a hard inquiry on my credit report from Capital One dated XX/XX/XXXX. I have no accounts with Capital One and made no attempt to open an account with them, leading me to believe this inquiry was fraudulent. 

On XX/XX/XXXX, I contacted Capital One. They indicated that my identity did not correlate with any open accounts and were unable to provide any further information because there were no open accounts. In order to investigate further, they indicated I needed to first contact and resolve cases with each of the three credit bureaus. 

Also on XX/XX/XXXX, I contacted each of the credit bureaus. I opened a case with XXXX ( confirmation number XXXX ). XXXX required that I provide a police or FTC report to dispute the case. XXXX was not open because XX/XX/XXXX is a Saturday and they are regularly closed on weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I cancelled my XXXX XXXX XXXX XXXX at the end of XXXX. There was no charge in XXXX so I thought things were taken care of. After reviewing my statements, I noticed a charge on XX/XX/XXXX. I called them last night to cancel again and they said they would call me back. I told them not to charge me last night, but they went ahead and charged another month this morning. The charge is currently pending on my credit card. I called Gemini ( you know the people that are being sued by the SEC ) to stop the payment. They refused to do so despite me telling them the situation. I thought they are supposed to protect me... not the big companies that are stealing from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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:
Hello, I have recently discovered that I have been a victim of Identity theft in which such person [ s ] used my credit multiple times over the years under the radar, until now. It wasnt very much money at first, thats probably why it was never noticed, but here recently I have been trying to purchase a home, so I started looking at my credit report more closely. In XX/XX/XXXX, I discovered that the following Accounts have been opened Fraudulently, or by other means unknown. ( XXXX ) XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX  {$7400.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX XXXX XXXX XXXX {$5700.00} Acct # XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX XXXX XXXX {$6700.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX {$1200.00} Acct # XXXX. ( XXXX ) XXXX XXXX  XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX {$0.00} Acct # XXXX. These are the 9 accounts from Transunion that correspond with the Federal Identity Theft Report! Transunion performed another one of their FAKE Investigations - forcing myself to have to file this complaint for a second and maybe even a third time, but if Transunion does Not Delete these accounts as requested, I am prepared to file it as a civil suit in The Federal Court System. Ill gladly accept a large sum of cash for my civil rights being violated via FCRA ( 15 U.S.C. 1681 ).

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 2024-04-06 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: FL

Complaint narrative:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX  original creditor : ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. Fraudulent inquiries : 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

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 2024-04-06 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: FL

Complaint narrative:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX  original creditor : ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. Fraudulent inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted Comenity Bank on XX/XX/XXXX ( Credit Card - creditor ) to place a dispute, because I did not receive merchandise and the merchant is not answering calls or responding to emails. On XX/XX/XXXX, I placed an online order with New York & Company and received a same day order confirmation # XXXX {$280.00}, which included the shipping method - economy 5-8 business days. I contacted New York & Company customer service, after the 5th business day to check on the status of the shipment via phone but no one answered the calls. I called again the next day and still no response from customer service. At this point I contacted the bank and they suggested that I send an e-mail to New York & Company, I did but still no response. Therefore, I contacted the bank again. I was informed that New York & Company charged my account on XX/XX/XXXX the same day, which is not usual, typically the charge occurs the day it is confirmed to be shipped. The bank also informed me that my billing date is approaching and to be sure to make a payment so to stay in good standing. I asked if other customers were calling with the same concerns and the representative did confirm that he had received several complaints about this issue from other customers. I told the representative that I will make a payment, but I wanted to file a dispute because the company did not send the merchandise and they are not responding. The company is also continuing to send daily sale advisements to my e-mail, which I feel is misleading sisnce they appear to not be honoring orders which have been placed and paid for. The bank representative appeared to struggle to place the dispute stating that he did not have an option on system for not receiving merchandise. After several minutes he finally found a code to complete the dispute, I asked if I would receive an e-mail confirmation that it was filed. He stated no, but the call is captured through notes and if I called back the records can be pulled. At this point, I am also very concerned that the bank may be aware of major potential issues with New York & Company, but they are not proactively doing anything to protect customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. XXXX account number 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 2024-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: IL

Complaint narrative:
On XX/XX/year>, I call Prince Parker and Assoc and I paid the debt owed in full. That same day I was told I will receive an payment comformation letter in 24-48 hours. I didnt get anything. I called back about 3 days later, they again said we will submit a request and get it to you in 24-48 hours. I didnt receive any again. I also disputed this collection account through XXXX 5 times all which was completed without change. I called Prince Parker and Assoc again Monday and they again said the samething. So basically they are not accurately reporting to XXXX this is paid so they can remove it and they refuse to send my payment confirmation so I can provide proof to XXXX to get this account removed. Please help. I am trying to buy a house.

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 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a email notification that my account with Truist bank was over drafted and a {$36.00} overdraft fee was charged. I reviewed my online account and noticed a charge of {$49.00} for a annual fee associated with XXXX  was charged to my account without my authorization. I contacted Truist bank to ask for the overdraft fee of {$36.00} to credited back to my account and to remove the {$49.00} charge as well. 
Last year on XX/XX/XXXX, I set up a recurring annual fee of {$39.00} with XXXX  from another checking account I have with Truist. This account ending in XXXX and was associated with debt card ending in XXXX. Some time in XXXX after this charge, the account was closed. Its clear that Truist allowed XXXX  to debit my other account ending in XXXX that was not associated with the account ending in XXXX that closed in XXXX, nor was the card ending in XXXX associated with this account. As such, my account should not have been debited. The excuses given was the card associated with the other account however, records show the card associated with XXXX that was debited was only issued in XX/XX/XXXX and was only associated with one account. Truist provided a merchant with access to personal account without my permission and freely took funds out my account causing a fee due to their banking error. 
After speaking with the representative and the manager which was very rude, they canceled my debit card because I claim it was fraud. Now, I have no way of depositing funds into the account to clear the negative balance for 7-10 business days which will again result in another overdraft charge. 
Truist should not have allowed a merchant charge to go through if the request was for a separate account that had closed. Instead they provided the merchant with my PII of another account I had with the bank and allowed funds to be debited knowing it would resulted in a overdraft charge which the bank would benefit from.

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