vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I receive constant calls from XXXX XXXX XXXX to collect a debt from some credit card purchases made with an Ikea card ( that I've never owned ) and in a state that I've never been in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-04-02 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  IM BEING CHARGED DOUBLE. 


XXXX XXXX XXXX XXXX IM BEING CHARGED DOUBLE. 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns 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 2024-04-02 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. Pursuant to 611 of the Fair Credit Reporting Act, I kindly request that you promptly investigate and rectify any inaccuracies found within this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. Pursuant to 611 of the Fair Credit Reporting Act, I kindly request that you promptly investigate and rectify any inaccuracies found within this 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 2024-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
This is now called Flagstar. I cant get my account number but its the last XXXX of the card. Its for XXXX XXXX. This is for a family leave. After my brother XXXX, my sister in law was stealing and XXXX I have start to make complaints back at the end of XX/XX/2024 now the are saying XX/XX/XXXX I have to wait 45 days, they made every excuse then postponing the progress, I ask if I can speak to the fraud department or have the number so I can go to police station and have a cop help me. I have XXXX small children and now we are homeless. I have been hung up on and hours and hours to talk to someone. Which clearly shows Im not the only person this is happen too. Now all the state funding is going to this for every Jersey resident. I sign theft affidavits

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 2024-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I bought a coupon book from XXXX rental car and I ended up using an alternate payment instead of using my Experian card and they're still holding the XXXX pending for 30 days now they're still holding that money I thought after 10 days the charge would fall off that's what hurts told me but it didn't fall off it's 30 days now and they're still holding my {$600.00}

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 2024-04-02 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause t
o 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 2024-04-02 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX BANK Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has 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 2024-04-02 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: OH

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-04-02 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 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: AZ

Complaint narrative:
XXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately due to the XXXX XXXX XXXX being in Direct Violation of The FCRA Reporting falsely the XXXX account. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX and XXXX XXXXXXXX added a derogatory mark on my credit report per TransUnion showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by TransUnion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the XXXX XXXXXXXX and XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

XXXX XXXX XXXX  This item is outdated and is more than 7 years old I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer un
der title 15 chapter 41

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 2024-04-02 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: CA

Complaint narrative:
A case of identity theft. I sent in the proper picture ID info and was never contacted from an investigation on a password reset.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX my wife tried to pay for groceries with our PNC credit card and the transaction was rejected. She spent considerable time on the phone to determine why it was denied and had no success. That XXXX  I spent at least an hour and a half trying to get some answers and in the process was transferred 5 different times. I finally got to a supervisor in customer service who informed me our card was cancelled. The reason I was told was that they tried to communicate with me by mail and got no response. Since they do not allow their mail to be forwarded our lack of response is understandable since we spend 4+months in Florida and have for the past 20 years. It was also mentioned that they tried to contact us by phone and email with no response. This is hard to believe since their fraud department has contacted us at times to verify transactions and we were called most recently. 
I requested they reinstate my card or send me a new card they said they couldn't do that. To get a new card I would have to submit a new application. We have been with PNC for at least 30 years and we pay off the balance monthly. Also they would find credit score numbers that would meet any bank requirement.

Along with the embarrassment this caused my wife as well as the additional trouble to now apply somewhere else for a new credit card this whole situation is ridiculous. We have a long history with PNC and with any effort at all they could have answered their questions and not closed the account. There is more that could be added to this story but I've gone on long enough. This is the kind of service you get when you are just a transaction. I guess 30 years isn't long enough to develop any kind of a relationship with a bank like PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
CAPITAL ONE has been contacted repeatedly for more than XXXX year to resolve the fraudulent accounts. CO has failed to provide any material facts, or supporting documents that meet legal criteria of a contract. The information reported to the credit bureaus by CO is inaccurate, invalid, and unnverified, as it is fraud. I demand the XXXX account be deleted immediatly and permanently from my credit report.

Company response to consumer: Closed with non-monetary relief