vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I use XXXX XXXX XXXX for all of my banking. I have had the account for years and there's usually a pretty large amount of money in the account. When I moved from XXXX to XXXX XXXX, I sold a piece of furniture to my friend for {$4000.00} which they were supposed to pay me for through Zelle. They were going to send me {$500.00} every day until it was paid off. Zelle flagged my account for fraud and would only let one of the payments through. To make things worse, I was unable to receive money from my Fiancee, who lives with me, because Zelle blocked those transactions as well. So now we can't make rent, because there's no way to get the money into one account due of XXXX XXXX not having a branch within XXXX miles of my location. So I now have my friends bank pointing the finger at my bank, my fiancee 's bank pointing the finger at my bank, my bank pointing the finger at Zelle and Zelle remains completely uncontactable. I've been told there's nothing I can do. I've been told by Zelle I need to contact my bank because they do not handle customer issues if I sign up through a bank. How can you have a company that facilitates such an important function suddenly decided, without warning or notice, that you are committing fraud. NOT ONE PERSON INVOLVED submitted anything regarding fraud. 

So here I am, left with some kind of fraud flag by a company that is completely uncontactable. NO ONE will take responsibility. I am being punished because a friend that owned me money, attempted to use a service to send it. I have never committed fraud in my life. I have used Zelle 's services for years without a problem. No one reached out to me to let m know there was a problem, just emails saying " the funds can not be deposited. '' This is completely irresponsible. For there not to be any point of contact when something like this goes wrong is morally reprehensible. This company is all fine and great when they are making money off your transactions, but they second they think you've stepped out of line... they have the power to ruin your life?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 writing to dispute an account on my credit report that I believe is fraudulent. I attached letter together with the FTC.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, Equifax Credit Bureau. 
XXXX Credit Bureau. 
XXXX Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Provisional credit requested for case XXXX Chase bank have been in a lot of hot water lately. I had over {$2000.00} of unauthorized charges. I have called on multiple times and was told I would get a provisional credit which is my legal rights as a usa citizen. They constantly deny my case without given me that grace. When I call, they will say if you provide this document, this police record, I assure you that you will receive your money back. I do it, and do not. This company do not honor their word! I work in this field from another company so I know it's their mission to deny you of your legal rights and hope you're not smart enough to fight it. There is an honor system and since all calls are recorded, the fact that they say they will they should. These remote fast food worker mentally people at this company are just low lives that have to keep job security by denying you on purpose so you can call in. I am going to a lawyer to pull up every phone conversation from the ones where you guys hung up on, laughed in my face for crying about someone stealing from me, reassuring that I will get my money back and also, the emails where you guys willingly said my information was compromised and to call right away. How can it not be unauthorized when you guys catch the suspicious activity? I won't my money back. I have found this helpful link. Under regulation e, I'm subject to a provisional credit despite you guys may think. I want a provisional credit for every last XXXX I said was unauthorized or lawyers will be called and I'll get more. You guys have to honor the EFTA and are being investigated as we speak. 
XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I notice unauthorized inquiries on my credit report that I would like all to be removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received a gift card from the Vanilla Gift Card Company purchased at XXXX XXXX. It was supposed to have {$150.00}. The card did not work at all and the company has not been replaced the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION Y TO REPORT MY INFORMATION PER 15 USC 16814 .

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have included the items on my FTC Theft report the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized.

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 2024-02-28 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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION Y TO REPORT MY INFORMATION PER 15 USC 16814 .

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have included the items on my FTC Theft report the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION Y TO REPORT MY INFORMATION PER 15 USC 16814 .

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have included the items on my FTC Theft report the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized.

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 2024-02-28 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: VA

Complaint narrative:
Dear Sir/Madam, Sat, XX/XX/2024 at XXXXXXXX XXXX  I am writing to dispute the validity of the debt collection attempts made by XXXXXXXX XXXX XXXX regarding the account, whichyouclaimot beowedby

me. Aspartofmydispute, IhaveaspecificInquiryregardingthehandlingofthiscollection account. Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws ni al communications and actions taken by XXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right ot take further legal action if necessary to protect my rights under the law

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 2024-02-28 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: VA

Complaint narrative:
Dear Sir/Madam, Sat, XX/XX/year> at XXXXXXXX XXXX I am writing to dispute the validity of the debt collection attempts made by XXXXXXXX XXXX XXXX regarding the account, whichyouclaimot beowedbyme. Aspartofmydispute, IhaveaspecificInquiryregardingthehandlingofthiscollection account.

Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws ni al communications and actions taken by XXXXXXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right ot take further legal action if necessary to protect my rights under the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have fraudulent activity.

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 2024-02-28 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 am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies.I attached the letter together with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance to the Fair Credit Reporting has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX # XXXX Balance {$3600.00} XXXX XXXX # XXXX Balance {$5500.00} XXXX  XXXX XXXX  # XXXX Balance {$30000.00} Opensky XXXX Balance {$140.00} XXXX XXXX # XXXX Balance {$850.00}. 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. 
Also any Address other than XXXX XXXX XXXX XXXX XXXX CA XXXX need to be removed. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023 {$490.00} XXXX 2023 {$490.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023 {$490.00} XXXX 2023 {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023 {$490.00} XXXX 2023 {$490.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies. I attached the letter together with the FTC.

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