vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 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: MO

Complaint narrative:
I have requested a XXXX From XXXX XXXX XXXX, XXXX XXXX XXXX and kickoff XXXX XXXX so that I can file it on my taxes since they have written of the alleged debt and reported it on my credit report, however they wont send me the XXXX Document. XXXX is reporting my account to the consumer reporting agency but they sold my account to third party debt collector, this account is indisputable it must be deleted. Also I requested XXXX XXXX to validate the alleged debt and all they sent was statements. Theyre required by law to send me the validation procedure according to XXXX XXXX section format and XXXX XXXX failed to do that. I am demanding these accounts to be deleted. Thank you.

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 2023-12-25 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: MO

Complaint narrative:
I have requested a 1099c From XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX so that I can file it on my taxes since they have written of the alleged debt and reported it on my credit report, however they wont send me the 1099c Document. XXXX is reporting my account to the consumer reporting agency but they sold my account to third party debt collector, this account is indisputable it must be deleted. Also I requested XXXX XXXX to validate the alleged debt and all they sent was statements. Theyre required by law to send me the validation procedure according to 12cfr 1006.34c section format and XXXX XXXX failed to do that. I am demanding these accounts to be deleted. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: NV

Complaint narrative:
I was a victim of the XXXX data breach. I want these items Deleted from my credit reports. As you can see,. because I was a victim of this data breach.

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 2023-12-25 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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NJ

Complaint narrative:
My Brinks Prepaid Money Card was shut down by XXXX XXXX XXXX Bank XXXX XXXX XXXX I called and after lengthy time on hold, was told I would receive a refund check for the remaining funds in the account. This was approximately 2 months ago, and the check never arrived. They are holding onto my money.

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 2023-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Urgent : Assistance Needed Regarding Closed Credit Card Account Dear Customer Service, I hope this message finds you well. I am writing to address a concerning issue with my credit card account. Recently, I discovered that my credit card account has been closed due to inactivity. 

I want to emphasize that I have maintained an impeccable payment record without any late payments or issues with the bank. Despite being an elderly woman, I may not use my credit card frequently, but I have consistently upheld a good standing credit throughout. 

Upon contacting your customer service, I was informed that the account closure was a result of inactivity. However, I never received any prior warning through mail, email, or phone call. The only communication mentioned was a single mail sent to my current address XXXX year ago, which I did not receive. 

I find it unacceptable to close an account based solely on XXXX communication, especially when it was not received. I have been a loyal customer, and I believe my credit history reflects my responsible financial behavior. 

I kindly request your assistance in recovering my credit card account. I believe that the circumstances outlined above warrant a reconsideration of the decision to close my account. It is disheartening that my plea was refused when I contacted your customer service. 

I appreciate your prompt attention to this matter and hope for a swift resolution. If necessary, I am willing to provide any additional information or documentation to support my case. 

Thank you for your understanding and cooperation. 

Sincerely, My card info is : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX mailing address : XXXX XXXX ct, XXXX CA XXXX. 
phone number : XXXX thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My brother and I created an account with Truist. After about XXXX days of depositing and spending money they closed both of our accounts. We went to see what was the problem and they informed XXXX their fraud team is the one that closed it. Even though we did nothing illegal. All we were doing was making money from betting apps like XXXX and XXXX. Literally nothing other than that. Which is legal in the state of Pennsylvania. 

Long story short, they informed us on XX/XX/2023 that we need to come back with a letter informing us why it was closed to get the remaining money in our accounts by picking it up at the bank. 

My account has $ XXXX and my brother account has $ XXXX A week and a half later we received the letters and went to the bank to pick our money up. They informed us a check was sent out on XX/XX/2023 and that we have to wait to get the check in the mail instead of picking it up. 

So we waited and never received a check. 

I called XX/XX/2023 and was advised that there was no check sent out and that it will be XXXX sent out tomorrow XX/XX/2023. 

I feel like they are just gon na keep giving us different dates and we have to pay our rent and other bills. 

Please help.

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 2023-12-25 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: NV

Complaint narrative:
I was a victim of the XXXX data breach. I want these items Deleted from my credit reports. As you can see,. because I was a victim of this data breach.

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 2023-12-25 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: NV

Complaint narrative:
I was a victim of the Equifax data breach. I want these items Deleted from my credit reports. As you can see,. because I was a victim of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX There was a transfer of {$180.00} through XXXX XXXX Wells Fargo XXXX someone that I do not know. I have never used XXXX before, the only app I use is XXXX so it was weird for me to see a transaction on my account through XXXX. I called Wells Fargo the same day that it occurred and they said they would help me. The company said they would reach back to me in XXXX business days. 
XXXX I get a letter in the mail that says that the activity on my account were authorized by me and will not credit me back the {$180.00}.

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 2023-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To whom it XXXX concern, I wrote you requesting validation of this alleged debt on the month of XX/XX/2023. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically, the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for you collection of this alleged debt? XXXX. Please send evidence your authorization to do business or operate in the state of ( Texas ) XXXX. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Best Regard

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 2023-12-25 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: NJ

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 2023-12-25 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:
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 2023-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 6 o 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 credit card account under an open end consumer credit for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: WA

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 2023-12-25 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: CITIBANK, N.A.
State: OK

Complaint narrative:
Citibank locked my card again when adding my card to XXXX XXXX on a new XXXX XXXX received for XXXX. Their fraud protection unit wont speak to me about the card until they verify my account, but their verification process is very counterintuitive. They ask for seemingly random phone numbers to text and will not use the number associated with my account. They will not call me, they will not accept any of my personal information, they will not send me an email to the address that has been on file for XXXX years ; instead they are mailing me a letter via snail mail and my card is locked until I give them that code. I am halfway across the country depending on my Citibank credit card to travel and am now stranded. 
Meanwhile the 3 times I was the victim of actual fraud I was the one who caught it and notified them. 
This is ridiculous.

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 2023-12-26 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: KY

Complaint narrative:
I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of 1974, I have reached out to the credit reporting agency and they have been ignoring me. Pursuant to XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with XXXX XXXX I want this matter rectified. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
I made XXXX deposits in XX/XX/2023 I opened my account in XX/XX/2023 the only deposits I have been able to make totaling XXXX dollars. I have had no clue that they clear I had no notification. Nothing till I checked my account and forgot I had made those deposits I go to the ATM and decline I tried to go login online no access I did get a letter stating that funds are on hold due to suspicious transactions I never knew anything about the investigation on my account didn't know account was froze until everything started to get returned my car payment overdraft returned stating due to hold on my account. 
If the checks cleared they have a law called XXXX rule and it's way past that hold time. I have been lied to told excuses after excuses about why I was even lied to a discriminated against. It's alarming for the fact they are my bank and should be protecting me all the returns have lost my car due to non payment goanna lose slot if they can't resolve this. 
I was told to into the branch and sign a affidavit taking responsibility that turn into oh no we need all parties to come in and sign. If they was going to go onto the bank they could have without me but they endorsed the checks because of their moving situation I accepted the payment t for the construction clean up of the old property they sold to XXXX company these people are millionaires and have moved on with their life. So in the end XXXX reachable but I would assume the bank XXXX would have had a better chance than me by now its been over 6 months now. I have been basically told we dont know if youre a lying to my face and I was told to contact a person I. XXXX department who is never ever available not one has returned XXXX of my calls messages nothing I have talk to. Complaints department who promised to call me back never has I been waiting since XXXX this is frustrating. And wrong I feel like they are expecting me to give up by ignoring me so they can keep I the money. No one is looking to file for a return because there is no fraud being committed I refuse to allow thus bank to steal from me I have sent complaint to bbb they recently closed case due to the person responded and they said nothing about nothing I have called them they to have yet to call me like they say they would now they just say we need all partys signatures well you already have them the checks cleared from. The paying bank without any doubt but now my bank is doubting me its wrong g and they need to release my funds at once and close my account

Company response to consumer: Closed with explanation