vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint to request that you block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under XXXX : Charged off, past due amount : {$300.00}. 

An auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$4200.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX. for a balance of {$610.00} under Status : Collection account, past due amount : {$610.00}. 

A collection account opened at XXXX XXXX XXXX for a balance of {$750.00} under Status : Charged off, past due amount : {$750.00}. 

A collection account opened at XXXX XXXX XXXX  for a balance of {$230.00} under Status : Charged off, past due amount : {$230.00}. 

A secured loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. 

A collection account opened at XXXX XXXX on XX/XX/XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}. 

An unknown collection with {$120.00}, account number XXXX from XX/XX/XXXX under Status : Collection account, past due amount : {$120.00}. 

A collection account opened at XXXX  on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. 

These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. 

I demand that you investigate this/these matter ( s ) immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.

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 2024-07-25 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: PA

Complaint narrative:
I am submitting this complaint to request that you block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under XXXX : Charged off, past due amount : {$300.00}. 

An auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$4200.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX. for a balance of {$610.00} under Status : Collection account, past due amount : {$610.00}. 

A collection account opened at XXXX XXXX XXXX for a balance of {$750.00} under Status : Charged off, past due amount : {$750.00}. 

A collection account opened at XXXX XXXX XXXX  for a balance of {$230.00} under Status : Charged off, past due amount : {$230.00}. 

A secured loan account opened at XXXX XXXX Bank on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. 

A collection account opened at XXXX XXXX on XX/XX/XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}. 

An unknown collection with {$120.00}, account number XXXX from XX/XX/XXXX under Status : Collection account, past due amount : {$120.00}. 

A collection account opened at XXXX  on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. 

These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. 

I demand that you investigate this/these matter ( s ) immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

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 2024-07-25 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: IN

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 and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: GA

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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: IN

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 and 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 2024-07-25 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: IN

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 and 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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: OK

Complaint narrative:
My credit karma account was hacked on XX/XX/year>. I immediately contacted the company, froze my credit and locked the attached checking/ savings/ credit builder account. I received an email with some questions, which I answered, received one reply that it was being looked into, and then nothing for a week. 

On XX/XX/year> I received an email stating that my credit builder did not go through, and Im now facing a penalty to my credit if this isnt fixed by XX/XX/year>. 

So I filed a complaint on XX/XX/year>, received one email back with the same questions in the first email, and have heard nothing since. 

The hacker has been in more communication than they have ( I have carefully checked senders on emails and did not click on anything ). I have a debilitating chronic illness and the stress is sending me into a flare. One way or another my credit will take a hit from this, I consider it a lesson learned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding fraudulent items was submitted on XX/XX/year>, and I have not yet received a 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 non-monetary relief
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding fraudulent items was submitted on XX/XX/year>, and I have not yet received a 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 non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-25 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: GA

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-25 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: GA

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed a credit card account that does not belong to me and was not authorized by me in my credit reports. The account information is XXXX XXXX  XXXX / XXXX XXXX  - Account number 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 2024-07-25 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I opened XXXX XXXX  account for my daughter, they tell me that to keep this without additional fees they need to automatically transfer {$75.00} from saving account to checking by every month. That was work for many years until my daughter finish XXXX. When I closed that student account, they continue to make that transaction of {$75.00}. I went to Wells Fargo branch to solve this problem to not make that transaction because is no longer XXXX XXXX  account exist. They did not solve this problem and continued that transaction for many years. Sometimes I did not have enough amount to have {$75.00} to transfer and then I get penalty fee. After several times this occur, they just closed my saving account. So, I do not have saving account because Wells Fargo 's error to fix than transaction.

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 2024-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My account with Chime was closed almost 3 months ago. I was never notified but noticed when I tried to log in to my account. I then contacted them via email and was told. I inquired about my funds in the account and was told that I would get them mailed out in 2 weeks and receive them in 4 weeks ( this is only after I asked ). After a month and no check, I emailed them again and they said they would send me a check, as if my account had just closed and I had never spoken to them. weeks go by and no check. I call them and finally 2 weeks later I get a check for {$150.00} which is the amount that was in my checking account, but not the {$500.00} plus that I had deposited into my credit builder pre paid debit card, and {$9.00} in a savings account. I called again and was first told that I had no further funds with them, and then spoke to a supervisor, who said he was expediting the check and I would have it in 3-5 business days, That was 9 business days ago. I called again today and after 1.5 hours on the phone with multiple people including 3 supervisors, nobody could tell me why my check was never sent out, only that it wasn't, and only the very last person would finally agree to mail it out to me. It was absolutely like pulling teeth and stressful. I mentioned this case multiple times to them also- the final supervisor who agreed to send the check was the only one who seemed familiar with it.

Company response to consumer: Closed with explanation