vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, THE RESPONSE LACKS DETAIL AND COMPLETE EXPLANATIONS NECESSARY TO ADDRESS MY CONCERNS REGARDING THE ACCURACY OF MY CREDIT REPORT. MY REQUEST FOR PROOF OR EVIDENCE IS NOT EFFECTIVELY SATISFIED. THERE HAS BEEN NO FORM OF COMMUNICATION TO PROVE I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT. I NEED PROOF WITHIN 15 DAYS, IF NONE ARE PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, YOUR RESPONSE LACKS A DETAILED EXPLANATION OF THE FINDINGS OF SUCH REINVESTIGATION. YOU STATED THAT THE DISPUTED ITEMS WERE VERIFIED AS ACCURATE WITHOUT PROVIDING SPECIFIC DETAILS OR DOCUMENTATION SUPPORTING THIS CONCLUSION AKA PROOF OR EVIDENCE. YOU ALSO FAILED TO ADDRESS WHETHER PROPER AUTHORIZATION WAS OBTAINED. YOUR INFORMATION REGARDING CREDIT REPAIR LAWS COMES ACROSS AS DISMISSIVE BY STATING, " THERE IS NOTHING A CREDIT REPAIR COMPANY CAN DO FOR YOU. '' YOU FAILED TO OFFER POSITIVE ASSISTANCE OR GUIDANCE ON RESOLVING MY SPECIFIC CONCERNS. WITHIN 15 DAYS, I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR TRANSUNION, XXXX HAVE RECEIVED THE LETTER SENT WHICH WAS ONLY AN UPDATED CONSUMER REPORT. I EXPECTED MORE THAN JUST AN UPDATED CONSUMER REPORT I AM LOOKING FOR PROOF OR EVIDENCE TO SUPPORT THE INFORMATION ON MY CREDIT REPORT REGARDING ANY DEBTS OR NEGATIVE ACCOUNTS. AN UPDATED REPORT DOESNT ADDRESS MY REQUEST FOR VERIFIABLE EVIDENCE. YOUR RESPONSE DOESNT PROVIDE A CLEAR EXPLANATION OF HOW YOU ARRIVED AT YOUR CONCLUSIONS. I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, THE RESPONSE LACKS DETAIL AND COMPLETE EXPLANATIONS NECESSARY TO ADDRESS MY CONCERNS REGARDING THE ACCURACY OF MY CREDIT REPORT. MY REQUEST FOR PROOF OR EVIDENCE IS NOT EFFECTIVELY SATISFIED. THERE HAS BEEN NO FORM OF COMMUNICATION TO PROVE I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT. I NEED PROOF WITHIN 15 DAYS, IF NONE ARE PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR EXPERIAN, YOUR RESPONSE LACKS A DETAILED EXPLANATION OF THE FINDINGS OF SUCH REINVESTIGATION. YOU STATED THAT THE DISPUTED ITEMS WERE VERIFIED AS ACCURATE WITHOUT PROVIDING SPECIFIC DETAILS OR DOCUMENTATION SUPPORTING THIS CONCLUSION AKA PROOF OR EVIDENCE. YOU ALSO FAILED TO ADDRESS WHETHER PROPER AUTHORIZATION WAS OBTAINED. YOUR INFORMATION REGARDING CREDIT REPAIR LAWS COMES ACROSS AS DISMISSIVE BY STATING, " THERE IS NOTHING A CREDIT REPAIR COMPANY CAN DO FOR YOU. '' YOU FAILED TO OFFER POSITIVE ASSISTANCE OR GUIDANCE ON RESOLVING MY SPECIFIC CONCERNS. WITHIN 15 DAYS, I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, XXXX HAVE RECEIVED THE LETTER SENT WHICH WAS ONLY AN UPDATED CONSUMER REPORT. I EXPECTED MORE THAN JUST AN UPDATED CONSUMER REPORT I AM LOOKING FOR PROOF OR EVIDENCE TO SUPPORT THE INFORMATION ON MY CREDIT REPORT REGARDING ANY DEBTS OR NEGATIVE ACCOUNTS. AN UPDATED REPORT DOESNT ADDRESS MY REQUEST FOR VERIFIABLE EVIDENCE. YOUR RESPONSE DOESNT PROVIDE A CLEAR EXPLANATION OF HOW YOU ARRIVED AT YOUR CONCLUSIONS. I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. 
My personal information has appeared in data leaks through XXXX and TransUnion, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital claims to have bought a supposed debt I owed to XXXX for cellular service. They then hired an agent, XXXX XXXX, to try to collect on this old debt. XXXX XXXX sent me emails. When I denied owing the debt, asked for supporting documentation, and if they would be paying me the money that XXXX owed to me for failure to provide service, XXXX XXXX sent an email saying that they would no longer peruse the alleged debt. Note, they never provided any documentation to support the alleged debt. These emails with XXXX XXXX occurred around XX/XX/XXXX of this year. 

I was then contacted by mail by Jefferson Capital, which sent a letter claiming that I owed them money that they claimed I owed to XXXX. Again, there was not supporting documents for the alleged debt, just their claim. When I called Jefferson Capital and gave them their account number on the letter, they insisted that I provide them with the last four digits of my social security number or they could not help me. I told the agent he did not need that since he had their account number, that I disputed the debt, and that they needed to send me documents show that the funds were supposedly owed. 

Jefferson Capital did not do so. Instead they sent me a form letter saying that they will cease collection activity until verification of the debt is provided to me. Huh. They have been requested to provide such information and rather than doing it, their agent said they would stop trying to collect. By trying to collect without providing that information I think they violated the Fair Debt Collection Act. By failing to provide that information after continued collection activities, I think they again violated the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00}

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 2024-01-31 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:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00}

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX took {$280.00} from my checking account with Chime Bank on XX/XX/XXXX for a concert that was supposed to take place on XX/XX/XXXX. I was notified the tour and concert were POSTPONED indefinitely and that I would be eligible for a refund and on XX/XX/XXXX I contacted XXXX for a refund. XXXX customer service told me on XX/XX/XXXX that the " Event Organizer '' who they could not name was in charge of issuing any refund and that they would be in charge of contacting me next to tell me about how to get this refund. Who I assume is the XXXX XXXX XXXX XXXX CA or XXXX the band, never contacted me regarding any refund so after waiting past XXXX and XXXX and bank and business holidays I reached out to XXXX on XX/XX/XXXX who tried to tell me I had missed the finite 30 day window in which to request a refund which they said was from XX/XX/XXXX to XX/XX/XXXX only. 

I was never contacted by " Event Organizer '' and XXXX is trying to just get me to go away with no delivered service. There is no tour date re-set and I have been on the phone with all of these companies : XXXX, Chime Bank, and XXXX XXXX for a total of 5 hours of my life to date. 

I checked daily from XX/XX/XXXX on the XXXX website for the option to automatically request a refund and there was none available as the website said " The Event Organizer is working on rescheduling the event. Hold on to your tickets '' The latest call I made was to XXXX XXXX today. Chime Bank Customer Service is now non-existent for appealing the dispute which they denied to give my {$280.00} back. 

Charged in XX/XX/XXXX and the {$280.00} was expected back in a reasonable time frame after XX/XX/XXXX when I made XXXX aware of my refund request for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp.
State: PA

Complaint narrative:
I sent the follow letter to First Investors Servicing Corp XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX First Investors Servicing Corp XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

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 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 2024-01-31 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: NY

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX I contacted Huntington Bank and requested to close my checking account. There was a balance on {$170.00}. They said I needed to transfer the money out using XXXX before they could close it which I did then they closed the account. I found out that I had the XXXX info set up incorrectly on the receiving bank ( XXXX ) so it never transferred. I contacted Huntington Bank who said since the checking account was closed the money would not come back to the account and there is nothing they can do. I've called Huntington Bank 4 times to resolve this issue they say they can do nothing because the account is closed. I've called and opened cases with XXXX, all they do is tell me that the sending bank has to fix it. I contacted the bank that was suppose to receive it and they said they see no pending XXXX transactions. I don't know what to do, on multiple occasions I've called XXXX they say I have to contact XXXX. Multiple calls to XXXX, all they say is I have to contact XXXX. They make it sound as if I will never see the {$170.00} which I very much need. Any help you can give me would be greatly appreciated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 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: LEXISNEXIS
State: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation