vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-22 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-22 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: LA

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
Im a victim of human XXXX  and the account listed was the result of the 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 2024-11-22 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: NJ

Complaint narrative:
15 USC 6801 requires financial institutions to protect the confidentiality of customers ' nonpublic personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the consumer 's written consent.

15 USC 6802 ( b ) ( c ) requires that financial institutions provide clear explanations of nondisclosure options before sharing personal information with third parties.

15 USC 1681C ( a ) ( 5 ) prohibits reporting adverse items older than seven years.

15 U.S. Code 1681s2 ( A ) ( 1 ) forbids furnishing inaccurate consumer information.

12 CFR 1016.7 affirms that consumers may opt out of reporting services at any time.

Therefore, I am formally : Revoking all prior consent for information sharing Demanding cessation of all reporting activities Asserting my right to privacy and data protection All referenced consumer reporting agencies and information furnishers are hereby notified to immediately cease and desist all information reporting and sharing related to my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
15 USC 6801 requires financial institutions to protect the confidentiality of customers ' nonpublic personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the consumer 's written consent.

15 USC 6802 ( b ) ( c ) requires that financial institutions provide clear explanations of nondisclosure options before sharing personal information with third parties.

15 USC 1681C ( a ) ( 5 ) prohibits reporting adverse items older than seven years.

15 U.S. Code 1681s2 ( A ) ( 1 ) forbids furnishing inaccurate consumer information.

12 CFR 1016.7 affirms that consumers may opt out of reporting services at any time.

Therefore, I am formally : Revoking all prior consent for information sharing Demanding cessation of all reporting activities Asserting my right to privacy and data protection All referenced consumer reporting agencies and information furnishers are hereby notified to immediately cease and desist all information reporting and sharing related to my personal financial information.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-22 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-22 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: MI

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-11-22 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: MI

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Contacted Jefferson Capital Systems on XX/XX/year> and asked about the open collection on my credit report in the amount of {$220.00}. Rep advised that in order to pull up my information to verify the account and tell me what the debt was for, they would need my credit or debit card number so they could pull my credit report and that the charge would be {$1.00}. I later found out that this is a subscription that I would later need to cancel. I am also aware that is illegal to charge any amount for validation of debt. I advised the rep that I did not feel comfortable giving my debit or credit card information and that if I had an account with them, they should be able to pull that up without me giving them that information. At the time the rep advised they would not be able to tell me what the debt was for and no validation of debt would be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my Truist business account XXXX since XXXX, XXXX. 
on the XXXX of XXXX, XXXX i made an ACH payment of {$19000.00} from my XXXX business account into my Truist. A couple of days later when i tried to make a withdrawal, i realized my account was restricted. 
I went into a bank branch to complain and this lady told me my account was being reviewed because it was the first time i received a large deposit. She told me i could access my account in 2 days. 
Unsuspecting to me that it was the plan all long not to allow me access my funds, i asked my other vendors to send payments into my Truist checking account XXXX. 
On the XXXX of XXXX, XXXX  i received two wire transfers in the amount of {$40000.00} and {$4500.00} respectively.

Then i received a wire transfer of {$66000.00} on the XXXX of XXXX, XXXX. 
At this time, i still didn't know my account was already fully restricted from any withdrawals until i tried to make a payment with my card and realized i couldn't. 
Ever since then, i have been going back and forth to the bank with no positive response. 
Eventually, a few days back, a representative at the bank told me my account was restricted for 60 days and i won't have access to my funds until it elapses. 
However, she never specified when the 60 days started counting and what day i would be getting access to it. 
To my greatest surprise, Truist bank debited my account in the amount of {$79.00} for SERVICE CHARGES- PRIOR PERIOD. 
This bank won't let me access funds in my account and neither will it specify when I'll get access to my funds but was able to debit my account a services not rendered. 
I currently have {$130000.00} left in my account with truist bank and my company name is 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I received a fraudulent call pretending to be from Affirm, asking for my account PIN. I immediately reported this to Affirm, and my account was placed on hold to prevent any fraudulent activity. 

On XX/XX/year>, I attempted to make a purchase using Affirm but was declined because Affirm could not confirm my identity. I contacted Affirm daily through chat and phone from XX/XX/year>, to XX/XX/year>, to resolve this issue and reactivate my account. Each time, I was informed that my case would be escalated and resolved within XXXX business days. However, the issue remains unresolved, and my account is still frozen. 

On XX/XX/year>, I was informed by Affirm that my Shop Pay account information does not match my Affirm account due to my Shop Pay account being associated with my previous name and email. To address this issue, I : Contacted XXXX XXXX daily from XX/XX/year>, to XX/XX/year>, to request the deletion of the outdated account. 
Used Shop Pays account deletion process multiple times, but the outdated account still exists. 
Created a new XXXX XXXX account under my updated legal name and contact details. 
Provided Affirm with proof of identity as requested to reflect my updated name. 
Affirm successfully updated my legal name on the account after verifying my identity, but they will not allow me to verify my identity to unfreeze my account. This inconsistency has prevented me from resolving the hold and using my account. 

Additionally, the loan number in this complaint is for a successful loan from before these issues began. Declinations do not come with loan numbers, so I used this loan number to help Affirm locate my account and resolve the issue. 

Despite my repeated efforts with both companies, including multiple verification attempts, my Affirm account remains frozen, and XXXX XXXX has not confirmed the deletion of the outdated account. These issues continue to prevent me from making purchases or using XXXX XXXX Installments effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the account below XXXX XXXX XXXX, Account # XXXX which XXXX stated has been verified and updated. I am writing to request a detailed description of the investigative process followed by your agency regarding the disputed account on my credit report. Pursuant to the FCRA 15 USC 1681 ( 7 ). Under section 15 USC 1681 ( 7 ), credit reporting agencies are obliged to provide a description of the investigation within 15 days of receiving a consumer dispute. 
See attachments!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My Identity was compromised in the past. I want the following information removed from my Early Warning consumer report. 

Bank Name : XXXXXXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: IDT Telecom, Inc
State: IL

Complaint narrative:
Details of the Issue : I am filing this complaint under the framework of the CFPBs new rule regulating money transfer services, which aims to protect consumers from issues like those I am currently encountering. The rule underscores the need for transparency, accountability, and timely resolution of disputes in the remittance process. Unfortunately, my experience with BOSS Revolution illustrates a failure to meet these standards. 

Background : On XX/XX/year>, I used BOSS Revolution to transfer {$2000.00} to my recipients GTBank account in XXXX. BOSS Revolution claims the funds were successfully credited to XXXX on XX/XX/year>. However, my recipient has provided official bank statements confirming that the funds have not been credited to their account. 

I previously filed a complaint with the CFPB ( Complaint # XXXX ), which was closed without resolution. Despite my rebuttal, BOSS Revolution has failed to take meaningful action to resolve the issue.

Failure to Comply with the CFPBs New Rule : The CFPBs recent regulation of money transfer services emphasizes the responsibility of providers like BOSS Revolution to ensure that funds reach the intended recipient and to provide timely, transparent resolutions when issues arise. BOSS Revolution has failed to comply in the following ways : 1. Failure to Ensure Funds Are Credited : While BOSS Revolution claims the funds were transferred, the recipient has not received the money. This contradicts the goal of protecting consumers by ensuring successful delivery of funds.

2. Inadequate Transparency and Support : BOSS Revolution has failed to provide clear proof that the funds are accessible to the recipient. They have also shifted the burden of resolving this issue onto me and the recipient, rather than engaging directly with XXXX to resolve the discrepancy.

3. Dismissive Compensation : In response to my prior complaint, BOSS Revolution offered a promotional code for a free transaction. This does not address the missing funds or fulfill their obligation to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
First of all, a big XXXX you to everyone at Barclays who was involved. The issue is pasted here. As I work for XXXX XXXX, management is also aware, they are reconsidering partnering with Barclays in the future. To Whom It May Concern at Barclays Bank/not that you actually care : I am beyond frustrated with the complete incompetence and mismanagement of my account. After being blocked on XX/XX/XXXX due to address, phone number, and PIN updates, I submitted all required documents to your fraud detection team. On XX/XX/XXXX, these documents were verified, I passed all security checks during an outbound call to the verified number on file ( XXXX ), and my account was unblocked. I was even able to make multiple purchases, proving that everything was cleared. Yet, on XX/XX/XXXX, my account was blocked again for the exact same reasons, despite having already been approved. This repeated blocking is unacceptable and highlights a lack of coordination and accuracy in your internal processes. 

Your team has blatantly disregarded the fact that I completed all verifications. Notes on my account are inaccurate, and it appears a XXXX from XXXX XXXX, XXXX, overstepped her authority by re-blocking my account in ultra-blocked mode simply because she did not like the documents providedeven though the verifications team already approved them. Her hostility and interference are completely unprofessional, and her actions need to be investigated. Furthermore, I was able to reach a XXXX XXXX XXXX on XX/XX/XXXX, but now I am forced to wait for callbacks, which is entirely inconvenient as I do not answer unfamiliar calls. 

I demand immediate resolution of this issue. If this is not addressed promptly, I will escalate further by filing complaints with XXXX XXXX, the FTC, and other relevant regulatory bodies. Barclays must stop delaying and solve this matter now. 
Have the day you deserve. Which isn't good.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX WAS SOLD AT AUCTION BUT REPORTING AS A CHARGE COMPANY WILL NOT PROVIDE 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
VECHLE WAS SOLD AT AUCTION BUT REPORTING AS A CHARGE COMPANY WILL NOT PROVIDE 1099-C

Company response to consumer: Closed with non-monetary relief