vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: IA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX : {$0.00} personal These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, I received collection notices from Capital One for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is {$XXXX} USD. I immediately contacted Capital One to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Mohela XXXX XXXX XXXX I have made several attempts written email and direct phone calls to Mohela requesting a payment due date change. The requested change is the XXXX of each month. Based on the timing of my income, this will be very helpful in managing my money. 

I began this request in XX/XX/2024 and it is now XXXX. They are dragging their fee and I don't know why. It's a simple request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: SC

Complaint narrative:
There is an address and names shown in an inquiry of my credit that I am not aware of or associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have never lived at this address. I asked the credit reporting agencies to remove, but it is still fraudulently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I asked all three credit reporting to remove this address. The address is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: SC

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : # XXXX XXXXXXXX XXXX  XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

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 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 2024-09-29 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: SC

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.

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 explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
paid open account fee, paid delivery fee, no card sent

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For several months, I've attempted to apply for both a XXXX XXXX card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my Equifax report, yet they were still unable to view it. Why can't these banks access my credit report? XXXX attaching proof from XXXX XXXX and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: LA

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 XXXX XXXX XXXX. 
Account name : XXXXXXXX XXXX account # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX account # XXXX, has violated my rights.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.

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 2024-09-29 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: LA

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 XXXX XXXX XXXX. 
Account name : XXXXXXXX XXXX account # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX account # XXXX, has violated my rights.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 XXXX years.

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 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year>, my Venmo , Inc. acc ount was suspended for " unusual activity. '' In the email I was sent, I was given a link to upload my state ID to verify my identity and get my account unfrozen. I uploaded the doccumentation as requested, but my account was still frozen. I have contacted Venmo , Inc. support multiple times about this issue but I have been met with the same conclusion. The reason for my account suspension was a message I wrote whilst sending money to one of my friends. The message read and I quote, XXXX XXXX XXXX '' I did not realize this message could've flagged my account for sending money out of the country, it was a joke between friends, nothing more. I have tried multiple times to explain this to the Venmo , Inc. support team and have been willing to give any and all documentation to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I requested this address be removed from my credit report, but it is still fraudulently being displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I hadn't thought I'd overdrawn my account ( and I've talked to Reps about this, before - PLEASE stop letting MORE transactions go through, once I'm overdrawn ), but after a week away taking care of elderly parents ( not to use this as an excuse, it's just if you ever have to do this too, you might forget about Banking and Fees and all other stuff for a bit ) away in the suburbs, I overdrew my account. 
XXXX On XX/XX/XXXX, I put in {$120.00}, in CASH ( **NOTE : ** Reps have told me it takes DAYS to actually clear ANY online deposits btw, even if your own login page shows it's " cleared '' and, even if you do an " instant transfer '' - this is another issue I have ) thinking I was Fine- but No! I was " fined. '' My {$120.00} netted me ( what I thought was a positive balance of ) {$28.00} - Again, WHY are things still being taken out of an overdrawn account, anyway- BUT- it was actually a negative balance of {$28.00}. [ see receipt, you can tell how I made the mistake. ] So this began a snowball effect of " Overdraft Fees '' and " Sustained Fees '' to what's now about to be a total of {$200.00} ( XXXX x {$30.00} " sustained ; XXXX x {$35.00} " regular '' including one Right Now ). I even had an overdraft fee when my account went {$.00} over ( that's XXXX cents ). [ see the " Citizens Fees '' document ; it's only part of the full page but shows a good glimpse. ] XXXX I've had this issue before, and thought I'd gotten to a place where, at some point, stuff STOPS being withdrawn from an overdrawn account. I do realize the problem began on MY end, but- are so many fines really necessary? How does one dig out of it if it becomes throwing Good Money after Bad? 
XXXX On XX/XX/XXXX I directly called an executive at Citizens, I'll call him XXXX., ( I can back this up but I'm not putting personal info here ) he'd helped me before and was really nice about it ... I left a message/voice mail with specifics but didn't receive a call back ( today is XX/XX/XXXX ), or an email. Maybe he didn't receive it though. But now I'm about to go even further into " the hole. '' Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am not liable for this debt with RADIUS GLOBAL SOLUTION I do not have a contract with RADIUS GLOBAL SOLUTION. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item 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 2024-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Received a notification from XXXX XXXX XXXX on my recent hard inquiry. I recently opened a XXXX  XXXX XXXX XXXX XXXX which I thought this was referring to. I checked the report and it showed there was another hard inquiry for XXXX ( The Home Depot XXXX CitiBank XXXX XXXX I've since frozen my credit across the 3 bureaus and am taking the steps to report it everywhere I can.

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 2024-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

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 Has violated my rights. 

15 U.S.C 1692B Section 5 : States, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt XXXX is in the debt collection business or that the communication relates to the collection of a debt.

Another violation they are infringing upon is : 15 U.S.C 1692C ( C ) : that law clearly states If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: IA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I've noticed this account on my credit report and don't recognize doing business or having a contract with this 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 2024-09-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> My XXXX XXXX dropped XXXX points because your company let Best Buy put more on my card than the credit limit. Now I have remarks on my once good credit report that now has a remark that says went over limit. You will find a way to remove that remark while taking care of the overcharge. Of course I can pay it down, thats why I chose to get the card that has 12 months interest free..but thats not the issue at hand. Its the predatory lending practice Citibank seems to practice quite often according to their reviews on several platforms. Your customer reps gave the run around. They told me its a simple issue to resolve, just pay the overage! Best Buy should teach their employees the consequences of the overcharge so they can tell the consumer. The fact they said the bank does this all the time. Citibank employees telling me You shouldnt have let them overcharge when your credit limit is {$1500.00} Acting like I knew better! XXXX sorry, but if Citibank doesnt decline the overage charge, its on Citibank XXXX not me. The FTC has laws against this, aka Anti XXXX laws. Citibank had the NERVE to tell me its my fault. Citibank tells me too bad, so sad that we screwed you over and destroyed your good credit because we let the {$160.00} OVER THE CREDIT LIMIT go through instead of DECLINING the purchase because it was over the limit. Your employees are the most incompetent, gas lighting and uneducated customer service reps including your so called XXXX who told me I shouldnt have let it happen. Instead of agreeing it should have never been approved over the credit limit and Breaking XXXX Laws by the FTC. Also, Citibank blames Best Buy and me as the consumer, for going over the credit limit is victim blaming. 100 % XXXX fault. The Best Buy employee are not the people that controls what Citibank approves when someone is making a purchase. My next steps are to make reports with several government agencies.

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