vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: MA

Complaint narrative:
Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the XXXX, XXXX XXXX, XXXX XXXX, XXXX and the Three Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.

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 2024-04-07 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: MA

Complaint narrative:
Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the FBI, XXXX XXXX, Social Security, XXXX and the XXXX XXXX XXXX. The problem is that the XXXX XXXX, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: MA

Complaint narrative:
Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the XXXX, XXXX XXXX, XXXX XXXX XXXX and the Three Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.

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 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Re : Cease and Desist Communication Request under 15 USC 1692c ( c ) Dear Halsted Financial Services, I am writing to formally request that all communication from your agency regarding the debt associated with reference number XXXX cease immediately. Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), I am exercising my right to request a halt in communication until I have received validation of the debt in question.

please provide me showing that I gave written consent in blue ink in my hand to the be contacted by this company.

I recently received communication from your agency dated XX/XX/2024 regarding an alleged debt. Before any further communication takes place, I assert my right to request validation of this debt as per the provisions of the Fair Debt Collection Practices Act.

I am hereby requesting that you provide the necessary documentation and evidence validating the debt. Until such time that the debt has been validated per my request, I insist that all communication efforts, including but not limited to calls and letters, cease immediately.

Please acknowledge receipt of this dispute letter and confirm that all communication attempts will cease until the debt has been validated. Your prompt cooperation in this matter is appreciated.

Thank you for your attention to this request. I expect compliance with the Fair Debt Collection Practices Act and the cessation of communication until the debt validation process is completed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: FL

Complaint narrative:
This is about transunion and please send this to the ceo XXXX XXXX XXXX. 15 usc 1681b ( 2 ). Any negative item that a company reports to your credit report without my written permission is considered identity theft and fraud. ( Permissible purpose ).

15 usc 1681n if the credit bureaus do not delete your negative items after your negative items you dispute them they will owe you a {$1000.00} per item. Civil loan for willful noncompliance. 

Also I am a American state national not a us citizen ( XXXX XXXX XXXX  XXXX  XXXX ). 
Also from my fee schedule you will owe me {>= $1,000,000} for billing my social security number illegally ( cestique act trust of 1666 ) Plus {>= $1,000,000} for fraud and {>= $1,000,000} For racketeering total {>= $1,000,000} plus. I am going to give you until XX/XX/XXXX th XXXX business to correct the error. If you do not comply you will be in a federal court house and brought to trial. 
Fraud, racketeering etc. You ask me for my social security number to get access to my trust as a authorized agent. Remedy delete all negative accounts or go to court.

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 2024-04-07 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: FL

Complaint narrative:
I disputed through XXXX and XXXX, they both took less than a week to come back and say it is correct, even though I have sent information that it isn't correct. I have reached out to the original creditor who told me they sent the correct information and it's up to the credit bureaus to report it correctly!

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed through experian and XXXX, they both took less than a week to come back and say it is correct, even though I have sent information that it isn't correct. I have reached out to the original creditor who told me they sent the correct information and it's up to the credit bureaus to report it correctly!

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I looked at my credit report and noticed some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it Sholl follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
I got this gift card about a XXXX  ago and I tried to use it for an in store purchase. The transaction wouldnt go through and it was asking me for a pin that I have never set up. I tried to go to the site on the back of the card ( XXXX ) but it doesnt take me anywhere. I tried to call the number as well but I think I was calling a fax machine.

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 2024-04-07 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:
I told Equifax to tell me how the items were verified and confirmed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: VA

Complaint narrative:
I XXXX XXXX got a copy of my credit report and recently disputed alleged debt with the collection through CFPB, the company failed to provide a CERTIFIED mail receipt with my signature showing if I got notify of the debt, failed to enclose on how much the debt collector paid for the debt, failed to enclose if they are registered to collect debt in the state, collection is not on any of. the addresses that are attached to my credit report that is also attached below with NMLS of registered states to collect on debt. Results as well.

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 2024-04-07 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: NC

Complaint narrative:
On XX/XX/year>, I had called XXXX to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/year>, at XXXX XXXX, I sent a certified letter to XXXX asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX  day time frame that I had sent documentation. ( sent paperwork XX/XX/year> at XXXX XXXX. ) XX/XX/year>, XXXX, excuse me if I spelled it wrong, XXXX XXXX, called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/year>, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. XXXX is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. XXXX  has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). XXXX  has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but XXXX and XXXX have reported on the account in that time frame.

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 2024-04-07 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: NC

Complaint narrative:
On XX/XX/2024, I had called XXXX to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/2024, at XXXX XXXX, I sent a certified letter to XXXX asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX  day time frame that I had sent documentation. ( sent paperwork XX/XX/2024 at XXXX XXXX ) XX/XX/2024, XXXX, excuse me if I spelled it wrong, XXXX XXXX, called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/2024, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. XXXX is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. Ally has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). Ally has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but XXXX and XXXX have reported on the account in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
At XXXX XXXX I attempted to make a cash deposit at an ATM drive through at my Bank of America , ATM XXXX, for the amount of {$2800.00}. T

he machine pushed back out one {$50.00} bill and stated would you like to continue the deposit of {$2400.00}. I said no because it was obviously {$350.00} short. I then pressed return cash. It gave back {$2300.00} ( had already pushed back that {$50.00} originally ) equaling {$2400.00} total. The machine did not give back {$400.00} out of the {$2800.00} I put in. It is Sunday so no one to speak to on phone or online.

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 2024-04-07 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
The following companies are involved in securities fraud via improper use of my private property and information. I DO NOT HAVE A SIGNED CONTRACT OR AGREEMENT WITH ANY OF THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC All reporting needs to cease immediately. DELETE all reports from my consumer credit file promptly. {$1000.00} fine per occurrence per federal regulations. THIS IS AN OFFICIAL NOTICE OF VIOLATION OF FCRA, FDCPA, UCC, UCCC, USC, AND THE PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CL Holdings LLC
State: DE

Complaint narrative:
The following companies are involved in securities fraud via improper use of my private property and information. I DO NOT HAVE A SIGNED CONTRACT OR AGREEMENT WITH ANY OF THEM. 

XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX All reporting needs to cease immediately. DELETE all reports from my consumer credit file promptly. {$1000.00} fine per occurrence per federal regulations. THIS IS AN OFFICIAL NOTICE OF VIOLATION OF FCRA, FDCPA, UCC, UCCC, USC, AND THE PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
This company is calling and harassing me and family member about this debt that I do owe and calling my kids number anyone that is attached to me. 

Amount XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-04-07 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I called XXXX in XX/XX/XXXX to tell them I was selling my home and to cancel the service. They refused to cancel the service. I have month to month service and was able to cancel. My house was sold on XX/XX/XXXX and now I am being sent to collections for not canceling the service. 

Account number XXXX. 

XXXX assigned this to Sequium Asset Solutions , LLC located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / agency Account number XXXX

Company response to consumer: Closed with non-monetary relief