vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Since my father passed away in XXXX of 2023 I have been calling citizens bank trying to put a hold/freeze on his asscount so my step sister could stop accessing his card bc over {$15000.00} has been stolen. I have phone records, emails and fax conformations all showing how many times I have been trying to talk to people at citizens along with a detective from the local police department who is trying to access with videos and get told they are " backlogged '' or don't have access to the videos anymore even though like I said I have been trying to get them to look at these videos since XXXX. They are trying to deny my claims and unwilling to pay me the money back. 

I received a partial refund but now when I try to contact the same department no on answers the phone or returns my calls or responds to my voicemail. I have been calling since XXXX and was told they wouldn't issue the rest of the money because it was still under " investigation ''. I'm still owed over XXXX grand at least and the least they could do is not avoid me and let me know what's going on. They just keep evading the situation and it is completely unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Apps XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX Fl XXXX, XXXX, NY, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$25000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, 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 2024-05-28 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: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: Contemporary Information Corp
State: GA

Complaint narrative:
After receiving my report from CIC i called and told them that it was reporting wrong due to fraud, they then told me i have to get it all shut down myself, but they are reporting with out my permission and i did not give Contemporary Information Corp. ( CIC ) to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX Apartments consent to share my stolen information, a guy off XXXX i got into a argument with copyrighted my birth right name and stuff went crazy on my credit report again and i been fighting identity theft for so long now. This disclosure violates the XXXX XXXX XXXX ( 15 U.S.C. 6802 ( b ) ) and may also constitute a criminal offense under 18 U.S.C. 1028 ( c ) regarding fraud and related activity in connection with identification documents, authentication features, and information. 

CIC actions also violate Violation of 15 U.S.C. 6802 ( b ) Under 15 U.S.C. 6802 ( b ), financial institutions, including consumer reporting agencies like CIC, are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without providing the consumer with a clear and conspicuous notice that accurately reflects the institution 's privacy policies and practices. Additionally, the consumer must be given a reasonable opportunity to opt-out of such disclosures before they occur. 
I have reviewed my records and have not received any notice from CIC regarding the disclosure of my information to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. Moreover, I was not provided with an opportunity to opt-out of these disclosures. This lack of notice and opt-out opportunity constitutes a clear violation of the statutory protections afforded to me under the XXXX XXXX. 

Finally C.I.C. actions also is a Violation of 18 U.S.C. 1028 ( c ) Further, the unauthorized disclosure and potential misuse of my personal information may fall under 18 U.S.C. 1028 ( c ), which addresses fraud and related activity in connection with identification documents, authentication features, and information. Unauthorized disclosure of my personal information without proper notice and consent could constitute a violation under this statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts listed below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681. 

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, and XXXX XXXX XXXX # XXXX. 

However, they stated everything was complete and accurate which was a lie. How is that possible when the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to ensure 100 % accuracy and modify or delete accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These people are hindering my ability to get or obtain good credit due to their illegal actions.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation
State: LA

Complaint narrative:
On XXXX and XXXX someone activated my card and withdrew XXXX of my funds. I notified this company multiple times that I was incarcerated at the time of this transaction. This company denied my dispute twice and I have no idea why but I would like for them to properly investigate my concern. I sent them a card from my police report and bond papers in which my dispute was still denied. This company also has lied about reimbursement of funds that aren't authorized to cardholders due to the cardholder agreement form I attached along with this complaint. I am asking for a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: AL

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX  Balance {$3100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX 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 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 2024-05-28 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: AL

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX  Balance {$3100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/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 2024-05-28 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: AL

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX Balance {$3100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian needs to delete, dismiss or remove ALL COLLECTIONS 15 USC 1692, ALL HARD INQUIRIES 15 USC 1602, ALL LATE PAYMENTS 15 USC 1666 ( B ), BECAUSE OF EXPERIAN I CAN NOT RECEIVE A LOAN OR ANY TYPE OF CREDIT.. DO TO THE BLUT VIOLATION OF CONSUMER LAW. 15 USC 1681 PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY. 15 USC 1681 5-2 ( 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 INFORMATION ... CONGRESS PASSED FCRA REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT. 15 USC 1691 & 12 CFR 1002, YOU CANT BE DENIED CREDIT DUE TO CREDIT SCORE, CREDIT HISTORY, OR INCOME.. ANY ADVERSE ACTIONS IN CONSUMER CREDIT TRANSACTION IS ILLEGAL. TITTLE 15 SUBSECTION 1611 FALSE AND MISLEADING DENIAL OF MY OWN CREDIT. EXPERIAN IS NOT A TRUE CREDIT REPORTING AGENCY.

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 2024-05-28 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-28 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: NY

Complaint narrative:
I sent the XXXX credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$4400.00}

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 2024-05-28 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: NY

Complaint narrative:
I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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 hope you are well. Despite our numerous exchanges and my ongoing efforts, the fraudulent items remain on my credit report. I respectfully request that you escalate this issue and explore all possible measures to thoroughly investigate and eliminate these fraudulent items from my credit file. Clear communication regarding the progress and actions taken to resolve these issues would be greatly appreciated. I understand that dealing with fraud can be complicated, but it is vital that we work together to expedite the resolution process. Your collaboration and support in this matter are essential for achieving a satisfactory outcome. Therefore, I am asking for your assistance to remove these fraudulent entries from my credit file : XXXX : XXXX XXXX XXXX XXXXXXXX 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 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 2024-05-28 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:
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. 

XXXX  Account # XXXX, XXXX, XXXX have 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. 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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. 

XXXX  Account # XXXX, XXXX, XXXX have 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. 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 2024-05-28 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:
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. 

XXXX  Account # XXXX, XXXX, XXXX have 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. 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 2024-05-28 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation