vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days.

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 2024-12-29 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: Westlake Services, LLC
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX Amount XXXX Was paid in full and brought insurance

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, my locked car at XXXX XXXX XXXX in XXXX, GA was broken into and my credit cards stolen. I was unaware for about an hour when I checked my bank accounts online and noted text messages requesting approval. All cards have a {$300.00} limit for validation. XXXX cards denied attempts by the thief but XXXX allowed a {$560.00} charge at XXXX  in XXXX, Ga ( XXXX address is used for XXXX and XXXX as USPS uses zip codes ). I cancelled all cards and requested new ones, filed claim XXXX with Truist. I called XXXX and went to the store where the fraud occurred and was able to get a copy of the receipt. I spoke with the Security Guard who checked the video and remembered the thief who went through the self checkout. He said the video would be available to the police but I could not view it. I called the XXXX police but the dispatcher mistakenly transferred me to XXXX saying that the theft occurred there. I filed a police report with XXXX XXXX ( XXXX case # XXXX ) and emailed it to the address Truist gave me ( XXXX ). XXXX Police followed up and stated that the theft occurred in XXXX and I need to file a report with them, so I did and sent that police report on XX/XX/year> with the receipt to Truist via email ( XXXX Police # XXXX ). I received a form in the mail from Truist to fill out for products not received. I called Truist and spoke to a supervisor who admitted the claim was filed incorrectly and should have gone for fraud and I should have received an affidavit. She also noted that the email address I was given was incorrect so I resent the receipt with Police case numbers to the new email address : XXXX. I noted that the charges were removed from my account until 2 days later XX/XX/year>. I called Truist and spoke with a supervisor who said my claim had been finally denied because I sent a receipt. WHAT??? She said I should get the video and send it to Truist. Again WHAT??? Arent the Truist investigators supposed to review police reports and videos on the report? I called the police and they confirmed that they do NOT send videos to banks. The Banks are supposed to investigate fraud claims and, in this case, I have given them everything they need that verifies my dispute. Apparently, they have not contacted the police or reviewed the video. As of today, XX/XX/year>, I have a {$560.00} bill on the XXXX so I sent another email explaining that the video is with the police report from XXXX and there is also a Police report from XXXX that confirms my report of theft.

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 monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The charges below are a result of fraud on my BARCLAYS MASTERCARD. I have disputed these charges. MASTERCARD IS REFUSING TO HONOR THEIR ZERO FRAUD LIABILITY. CONTACT NUMBER XXXX I do not live in a state with the merchants listed below. I am asking for BARCLAYS MASTERCARD to honor the ZERO FRAUD LIABILITY and I dispute this charges as fraud XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$1300.00} 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 2024-12-29 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:
XX/XX/year> I SENT MY FTC REPORT AND LICENSE TO TRANSUNION TO REPORT IDENTITY THEFT.

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 2024-12-29 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: AR

Complaint narrative:
I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
After doing their investigation Experian still hasn't fixed an error on my consumer profile. There is an account from XXXX XXXX on my profile but XXXX no longer has access to this account because the account and it's ALLEGED debt has been sold to a company named XXXX XXXX XXXX. I have sent a cease and desist demand letter to XXXX XXXX XXXX and they have agreed to cease ALL forms of communication with me. Which includes ceasing to report to my consumer profiles also. I have sent there response to Experian several weeks ago because Experian IS REQUIRED BY LAW ACCORDING TO THE FDCPA, to delete/remove this account from my profile. But after about XXXX investigations, Experian still has NOT deleted this account which is causing severe adverse effects to my credit worthiness. Experian keeps replying back saying that the account is accurately reporting but that has nothing to do with the dispute that I have filed several times. This is a cease and desist notice, NOT an inaccuracy dispute. Experian NEEDS TO FOLLOW THE LAW and immediately delete this XXXX XXXX account from my consumer profile! Experian has been in violation of federal consumer law for almost over a month now!

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

My Lawyer told me that this is my final demand regarding these accounts. 

These accounts must be removed from my report immediately as they have been completely exposed, compromised, and negatively impacted due to data breaches and exposure to the dark web.

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 2024-12-29 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: NJ

Complaint narrative:
I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

My Lawyer told me that this is my final demand regarding these accounts. 

These accounts must be removed from my report immediately as they have been completely exposed, compromised, and negatively impacted due to data breaches and exposure to the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I am writing to formally request an investigation into an unauthorized hard inquiry on my Equifax credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> Creditor/ Company name : XXXX I did not authorize Equifax or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Equifax and XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CORELOGIC INC
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I kept making payment to XXXX but nothing wouldn't resolve on my credit I still kept paying

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A XXXX representative sent my son info saying he was being scammedthey called soon after telling him to XXXX his money to me for safekeeping then to make sure it went through, I ( who bank with Wells Fargo ), I send it back to his XXXX  account which then the Money disappeared! Now Im not getting Any support from Wells Fargo, they Froze my account saying that Im the one who did the bad things!! XXXX wont help either. They keep referring me back to each other

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I went to the gas XXXX store where the atms are fee free for their institution, as I went to withdraw money from my account the power in the store went out and so did the power to the ATM. The ATM power cut right before dispensing my money in the amount of {$460.00}. No money, no receipt. I called the institution as well as the ATM customer service line and made a report. This took place XXXX  days before XXXX an it's almost XXXX XXXX and nothing still. I've been consistent in following up just for every single XXXX of the customer service representatives to tell me something different every time. Even a couple of supervisors I spoke with explained told me that the time alotted for the merchant to respond is already expired I still have not received any updates. I was also informed that under regulation XXXX, I was not able to receive a temporary credit during my dispute although the way my account is set up it automatically transfers my payroll deposit into my credit builder they look at like a cash advance although it's a payroll deposit so there's no security there and I highly would not suggest enrollment if you want to save yourself a headache. The customer support is very uninformitve and basically read of script and generally tell you what they think you want to hear just to get you off the phone. Dispute is still ongoing although being told merchant time is already expired but the resolution team has yet to respond. XXXX plus days now. All supporting documents and evidence has been sent to support my claim and still no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or opened due to this to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

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 2024-12-29 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: NY

Complaint narrative:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from Equifax and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or opened due to this to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I am writing to formally request an investigation into an unauthorized hard inquiry on my Transunion credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> XXXX Company name : XXXX  Date of inquiry : XX/XX/year> XXXX Company name : Creditonebk Date XXXX XXXX : XX/XX/year> XXXX Company name : XXXX Date of inquiry : XX/XX/year> XXXX Company name : first premie Date of inquiry : XX/XX/year> XXXX Company name : XXXX XXXX I did not authorize XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my XXXX XXXX and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
am writing to formally dispute the presence of certain unauthorized hard inquiries listed on my credit report. These inquiries were not initiated by me or authorized in any way. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

The inquiries in question are : XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  - Date : XXXX XXXX XXXX XXXX  - Date : XXXX XXXX XXXX XXXX  - Date : XXXX XXXX XXXX  - Date : XXXX XXXX  XXXX - Date : XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX XXXX  - Date : XXXX XXXX XXXX XXXX -Date : XXXX XXXX  - Date : XXXX XXXX  - Date : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX - Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX  - XXXX : XXXX I kindly request that you investigate these inquiries and provide me with the following : Proof of my consent for the listed hard inquiries. 
Documentation verifying the legitimacy of these inquiries. 
If you are unable to provide verifiable documentation that these inquiries were authorized, I request that you promptly remove them from my credit report. 

Please be advised that I have enclosed copies of relevant documents to assist in your investigation ( e.g., my identification, proof of residence, and a copy of the credit report highlighting the disputed inquiries ). 

I look forward to your prompt response to this matter, as I expect to hear from you within 30 days in compliance with federal law. Please contact me in writing at the above address should you require any additional information. 

Thank you for your immediate attention to this matter.

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 2024-12-29 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:
This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX XXXX XXXX Respondent has XXXX reported as accurate and belonging to me. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. While they have yet to respond to XXXX of the XXXX CFPB complaints, they did respond to the other by providing a copy of credit card statements for the alleged account XXXX XXXXXXXX. However, they have not certified that they possess or can produce the original document obligating me to pay, either for my review or for review by a judge in court. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of XXXX XXXX, XXXX XXXX of the XXXX XXXX. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, XXXX assumes liability for these actions. Liability for this debt has not been lawfully established. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of XXXX XXXX, section XXXX ( XXXX ) of the XXXX XXXX XXXX debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation