vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
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 The State of Louisiana notified me that my information was stolen from the database I have never applied to any of these companies. this is affecting my score badly.

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 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally financial reporting inaccurate payments on my loan and don't know were all the interest comes from really don't know if my account is accurate

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
A credit card was opened with capital one without my knowledge using an old address causing hard inquiries on my credit report I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
I am not liable to any dept withXXXX XXXXXXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not liable to any dept withXXXX XXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by Experian and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from Experian.

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 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This is the third complaint with FD Auto Finance. Last week XX/XX/year>, I was Informed by XXXX XXXX that the funds TD Auto Finance reported as delinquent were found and deposited on the original due dates. 

Yesterday XXXX XX/XX/year>, I noticed an amount of {$400.00} was deposited back to our account. I immediately contacted XXXX XXXX and informed her that there must be some mistake because funds from TD Auto was deposited. She stated that she would check. 

Today, XXXX XX/XX/year>, XXXX XXXX informed me that my XXXXXXXX XXXX  were cancelled because of TD Auto Finance. I can't use my bill pay service because of actions taken or not taken by TD Auto Finance. 

I have spoken to numerous people including XXXX XXXX to no avail my problems only continue to worsen with each contact. 

I want TD Auto to repair all the damage done to our excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — Store credit 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I purchased a XXXX from XXXX XXXX over 6 months ago and opened their citizens pay line of credit. Charged approx XXXX and have been making monthly payments since XX/XX/XXXX. I have been speaking with XXXX XXXX for six months because the delivery continues to be delayed. XXXX XX/XX/XXXX, the. XX/XX/XXXX. Today they told me its delayed again and they can not provide a future delivery date and the manufacturer is no longer in contact with them about the delivery. XXXX XXXX is telling me they can not refund me because I purchased a XXXX and that is considered custom and when I contact citizens pay to file a dispute, there is a recording that says no one is able to take a call about disputes and they are sorry for the inconvenience. I should not have to continue to pay for an item that I will never receive. I filed a complaint with a XXXX XXXX XXXX against XXXX XXXX as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TN

Complaint narrative:
Freeze all information that you have on my name, XXXX XXXX XXXX. And I am saying not to release my information unless I Authorize you personally to do so

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-13 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-13 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: Experian Information Solutions Inc.
State: CA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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 kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-13 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
It's been declined online at XXXX and in-person at XXXX XXXX. After calling AMEX, they tell me to keep trying with a different merchant. It shouldn't be this hard to spend a {$50.00} gift card at popular retailers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXXXXXX XXXX || Account # 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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring punctual payments has been my consistent practice for this account, preventing any instances of overdue payments. I'm uncertain why there are references to late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be applied.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX || Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX || Account number : XXXX - XXXX  || Account number : XXXX - XXXX || Account number : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) || Account number : XXXX - XXXX || Account number : XXXX - XXXXXXXX XXXX || Account number : 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 2024-03-13 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: MS

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report. The inquiry is unauthorized and not associated with any application or credit request made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2024 there was a {$500.00} transaction into an unknown account from my Venmo account. Basically everything I had in the account. Ive disputed this transaction and it got denied. Ive talked to an online agent who reopened the dispute and never heard anything back. Now an online agent cant tell me anything about this and the account specialist team to email will not return my emails. 
The money transferred out of my account was to a XXXX XXXX unknown account. I told them I do not even have a XXXX XXXX account and the name must not match my name. I didnt make the transaction and I was sleeping at the time ( XXXX XXXX on XX/XX/XXXX ). I can not get any person on the phone or anyone to talk to online or through email, on my Venmo account it just says dispute resolved. Unfortunately it definitely has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
I was contacted by Public Service Processing related to the XXXX program. They signed me up for a plan with Prosperity Benefit Services for me to pay for document prep and assistance with this repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if still on the creditor XXXX XXXX XXXX, partial ( account number XXXX ) is still reporting inaccurate Date of last activity is being reported on Transunion as XX/XX/XXXX, at the same time they are reporting on XXXX a date of last activity as XX/XX/XXXX, and they are inaccuratly reporting on Transunion Date of Reported as XX/XX/XXXX, while on XXXX they are inaccurately reporting Date Reported as XX/XX/XXXX, also they are inaccurately reporting on Transunion Date Opened as XX/XX/XXXX, at the same time inaccurately reporting on Experian Date Opened as XX/XX/XXXX, also on Transunion they are inaccurately reporting account Status as Open, at the same time inaccurately reporting on Experian Account Status as Closed, they also inaccurately reporting on Transunion Creditor Type as Auto Finance, while inaccurately reporting on XXXX Creditor Type as Personal Loan Company. The Credit Bureaus took more than 30 days to complete my investigation. As how can payments be marked as late, when the account is in collections. XXXX have a history of inaccurately reporting information to the credit bureaus, and I am a victim of thier inaccurate reporting. Attached is a form showing inaccuracies, and also a document showing a previous settlement with the CFPB and XXXX XXXX XXXX regarding this same issue. Delete this account asap from my credit report.

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 2024-03-13 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: PA

Complaint narrative:
I realized today that this alledged debt is illegally reporting on my credit report without my written instructions. I never received anything from this company in the mail and never did any business with them or the alledged company that they alledgedly represent and I will attest to this in a court of law. 

Even if a debt exists this company has NO right to appear on my credit report without my written instructions as per The Gramm-Leach -Blilley Act Section 6802, FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states that a credit reporting agency can not furnish an account without written instructions. 

XXXX XXXX XXXX. ( DELETE NOW ) If so I would have demanded the purchase agreement and other documents. 

XXXX XXXX XXXX is in blatant violation of The Gramm - Leach - Blilley - Act Section 6802. This is a violation of my privacy rights as FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

Remove this account from my credit report immediately.

If this account is not deleted, I am requesting in advance that Equifax provide what is required under FCRA 611 ( a ) ( B ) ( iii ) / FCRA 611 ( A ) ( 7 ) for you to send the procedures used that led to this alledged account to be verified/updated and to provide the name of the person ( s ) you spoke with along with their address and telephone number ( s ).

Remove this account from my credit report as the sole basis of my dispute is based upon the fact that it is illegal for this alledged debt to appear on my credit report without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : 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