vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, 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:
Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my XXXX credit report is 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX on my XXXX credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my Experian credit report is 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 

XXXX XXXX XXXX does not and has not ever belonged to me. It is not mine. I have never been in a contractual agreement with the respective company. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX CREDIT CONTROL SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/2022, XXXX, a subsidiary of Goldman Sachs, and the issuer of the XXXX Credit Card, allowed someone to submit an application and received approval for a Credit Card in my name, without my authorization. XXXX without my authorization obtained a copy of my personal credit file from, XXXX XXXX XXXX. After discovering the fraud, I contacted XXXX, who then contacted XXXX to confirm if an identity theft against me had been done. XXXX confirmed thru XXXX that the card was issued on a fraudulent basis subsequently removed any record on the account from my personal credit report, including the unauthorized inquiry XXXX made on my report. 

I then contacted XXXX and was told that the account had been restricted, not closed but restricted pending their investigation. I provided them with a police report i filed with my local police department in XXXX, IL. After XXXX weeks, I received an e-mail from XXXX with my XXXX XXXX, with an outstanding balance of {$1900.00}. I then called XXXX and their representative told me the e-mail was sent in error. I asked them how this could happen when I'd been told that the account was restricted, and they responded that they did not know. 

I'm writing to you because I'm concerned with how XXXX is handling this situation in a very cavalier way. I just read that the Federal Reserve Bank is investigation XXXX for lacks security in its consumer finance division and I believe their lack of follow thru when granting credit and or at a minimum verifying consumer financial information/credit applications allowed someone to obtain a credit card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I don't think the credit bureaus are taking it seriously and just giving me the run around without following the laws.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I checked my credit report and contacted Equifax, XXXX to the unknown XXXX hard inquiries that was on my report, and everything was said to be deleted from my credit file rechecked credit file and XXXX inquiries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these companies can not show proof that I applied for credit with my signature with an application to their company this must be removed from my credit. This is violating my rights as a consumer, and I am having hardship with these inquires. on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Never open up a truist bank credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 to USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 1681 s-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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
This complaint is regarding my experience with HSBC Bank, XXXX. and their online banking platform at us.hsbc.com. On Friday XX/XX/2022 at approximately XXXX ET I accessed my online banking profile through HSBC 's website. Like many security-conscious individuals, I have enabled on my profile '2nd Factor Authentication ' - this service is supposed to provide additional protection to online banking customers by necessitating the entering of a one-time security code sent to my email address ( in addition to the standard username and password combination ) each time I access my online banking profile. However, on this night I observed that when I requested the one-time security code, the online banking platform instead displayed an immediate 'your session has timed-out ' notification, refreshing this page then immediately logged me into my banking profile without needing to enter any credentials! I recorded video of this phenomenon and confirmed that the same sequence of events would repeat even after closing my browser and clearing my history. In effect, the online banking platform was bereft of this security protection for an unknown amount of time. I have attempted to communicate this experience to HSBC but the wait times on their phone number have been inconveniently long and I have been discouraged from trying to speak directly with an HSBC representative. I have not experienced any noted fraudulent activity on my account as a result of this lapse in security, rather I am raising this concern for the well-being of other clients. I receive emails and text messages from HSBC, and HSBC has not provided any client-notification indicating that their online banking platform 's security had lapsed for any amount of time. I am concerned that HSBC has an unpatched security vulnerability that needs to be addressed and I am further concerned for any clients that might have been victimized that are unaware that their banking information was unprotected by the services for which they signed up and have a reasonable expectation to be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank XXXX XXXX processed a hard inquiry on my credit report on XXXX XXXX. This was done without my knowledge, permission, or consent. When asked for the reason of the inquiry, they stated it was for " account assessment ''. They refuse to remove the hard inquiry from my account, despite the fact that this was done without any reason, and for no purpose. Again, this was done without my permission and consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I received a collection letter from XXXX XXXX and associates regarding a child that is not mine and I have no legal obligation to. 
My daughters friend was at our home and injured herself. Her mother does not live in XXXX she stays in Tennessee, therefore I took her to the hospital to be treated. 
When I arrived to the hospital I had to give my information for her to be treated as she is a minor. 
I should not be held responsible for this bill it should be the responsibility of the parents. 
I explained this to XXXX XXXX and XXXX and they are saying XXXX still legally obligated for the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Transunion databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 

XXXX XXXX XXXX does not and has not ever belonged to me. It is not mine. I have never been in a contractual agreement with the respective company. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 

XXXX XXXX XXXX does not and has not ever belonged to me. It is not mine. I have never been in a contractual agreement with the respective company. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello I had a bank account with Wells Fargo a few years back and I had money taking out of my account. I was negative and they closed my account. They never attempted to help me and figure it out.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted XXXX complaints to Transunion through the CFPB. XXXX of them was sent through the CFPB on XX/XX/XXXX Complaint # XXXX and another complaint submitted on XX/XX/XXXX Complaint # XXXX. The first response from TransUnion was sent through the CFPB on XX/XX/XXXX that claimed that XXXXXXXX XXXX ACCT # XXXX was deleted and XXXX ACCT # XXXX was deleted from my consumer file/report. On the second response from TransUnion through the CFPB on XX/XX/XXXX, they took also stated they XXXX XXXX  ACCT # XXXX was deleted from my consumer file/report. However, according to the paperwork of my disputed results I received in the mail on XX/XX/XXXX, both of these accounts came back verified. How did they come back verified if stated in the CFPB non-monetary relief section of the results of the dispute that they were deleted? XXXX demanding these XXXX accounts be deleted since that is what the verdict was in not XXXX, but XXXX CFPB responses. XXXX this day, XX/XX/XXXX, both of these accounts are still reporting on my TransUnion credit report. Please delete these XXXX accounts accordingly. Please see attachments of both CFPB responses from TransUnion and attachment of the most recent paper dispute results from TransUnion for evidence and proof. TransUnion said they would delete these accounts, but they did not delete them.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Ive been an account holder with this company since 2008. I was charged monthly fees and overdraft fees. This is my first time submitting a complaint.

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