vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from XXXX because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.

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 2023-12-01 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: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. My credit report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NJ

Complaint narrative:
I hope this email finds you in good health. I am writing to express my deep distress regarding an ongoing issue with inaccuracies on my credit report, despite assurances and supposed resolution. 

I initially filed a complaint with the CFPB on XX/XX/, raising concerns about inaccurate accounts on my credit report. Following my complaint, the company responded to the CFPB on XX/XX/, acknowledging the inaccuracies and assuring a thorough investigation. They claimed to have removed the inaccuracies promptly. 

However, to my dismay, when I checked my credit report on XXXX XXXX XXXX, the previously identified inaccurate accounts were still reporting. In response to this, I wrote a certified letter on the same day, enclosing copies of all relevant documentation, including the company 's response to the CFPB and my credit report highlighting the persistent inaccuracies. 

In my letter, I emphasized the provisions of 15 USC 1681A ( w ), wherein the company accepted responsibility for the inaccurate accounts, claimed to have conducted a thorough investigation, and assured the removal of said accounts. The continued reporting of these inaccuracies is a clear violation of my rights, and I find myself deeply troubled by the apparent lack of resolution despite the company 's assurances. 

As further evidence of the current state of my credit report, I have attached a copy of my credit report from XX/XX/, which shows that the inaccuracies persist despite the company 's supposed corrective actions. 

I am reaching out to you in the hope that you can intervene on my behalf and facilitate a swift resolution to this matter. The persistence of inaccurate reporting is not only a violation of the company 's commitment but also a continued infringement on my rights as a consumer. 

Your prompt attention to this matter is greatly appreciated, and I am hopeful that your involvement will lead to a conclusive resolution and the removal of these inaccuracies from my credit report. 

Thank you for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: NY

Complaint narrative:
I requested an update on my credit disputes which were mailed to Transunion with required identifying documentation on XX/XX/. Transunion acknowledged receipt on XX/XX/. No investigation was ever done nor was information confirmed so I called Transunion again today XX/XX/XXXX  to check on the status of the dispute because it is far past the 30 day deadline to investigate and provide a response. I spoke with XXXX ( at Transunion ) at XXXX on XX/XX/. He stated no investigation has been done nor even begun from my XX/XX/ disputes. This is willful noncompliance. For the sake of clarity, I disputed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX  as the information is not correct. Because Transunion did not investigate my dispute request, I demand that Transunion remove all negative credit entries and/or process a full goodwill deletion on these account mentioned. Please hold this credit bureau accountable for their habitual noncompliance. Thank you kindly for your prompt attention to this matter.

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 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent Inquiries, 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 2023-12-01 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: IN

Complaint narrative:
These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent Inquiries, 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 explanation
Consumer complaint received 2023-12-02 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: OH

Complaint narrative:
XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2023-12-01 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: TX

Complaint narrative:
I was a victim of Equifax. Data breach and inaccurate information needs to be removed. And the following account. 

Per attached screen shot I did not reside here at the time of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
On XX/XX/2023 i open a checking and savings account at Dollar Bank in person with my ID at the XXXXXXXX XXXX location. Opened with {$50.00} cash. On XX/XX/2023 my account is closed by a XXXX at the XXXX, XXXX  operations facility in the XXXX XXXX because my residence isn't close to a branch. I swear these banks, just get goofier and goofier by the minute with stupid closure reasons that amount to nothing but XXXX. I really planned on using this account because of all the features this bank had to offer. Good thing i didnt set up my direct deposit. You're online website application does not restrict or prohibit account opening with my zip code. I was told long as i resided in XXXX XXXX, and or XXXX i could open an account. Therefore, someone's full of XXXX and i'm demanding the accounts be re-opened before i have an internal investigation opened up with your regulators that govern you to determine if your organization is behind any corrupt, discriminating and derogatory illegal activities. When applying online if you type in a zip code outside of the XXXX states you operate A copy of this is also being fowarded to the Consumer Financial Protection Bureau. 

XX/XX/2023 : called Dollar Bank and was lied to about reason for account closure. XXXX specified now that it was because of to many inquiries. Them are legit valid inquiries, no fraud or ill intent never took place and part of the reason for the inquiries were banks invited me to open an account and even though my charge off from XXXX XXXX was paid they wouldn't open it. Most banks will accept the paid closures such as you guys did. But the inquiries were due to trying to open an account and being declined because XXXX XXXX wasnt fully removed but did show paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
It appears the Synchrony has taken over Chevron credit cards. In so doing, I now must sign up for e-delivered statements in order to even see and download a statement on line. I can not believe a credit card company can do that. Plus, I didn't even get my paper copy of the statement this month and the only remedy is to request a duplicate paper statement. Talk about trying to force customers to e-delivery.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Information on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The correct address is XXXX XXXX XXXX XXXX, XXXX  XXXX Accounts : XXXX XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX PLEASE SEE ATTACHED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
My U.S Bank account was hacked/unauthorized withdrawal for a total amount of {$1200.00}. My card had an unauthorized withdrawal made the first time for XXXX and the XXXX the second time by a bill pay transaction with XXXX XXXX. I spoke with a bank representative after receiving an alert saying my email was changed. I called the bank and alerted that withdrawal wasn't me. The representative told me that they would investigate, send dispute forms, send me new bank card, refund the funds and she was going to change my email back.The following week my card had the same error/withdrawal ( XXXX ). I alerted bank. I recieved the dispute papers and fax the paper work. A few hour later I received {$1000.00} on my bank. An hour later the same thing happened with the same name attached to the transaction. I made a dispute again. My account has been compromised. I have made no withdrawals.My account was dormant for three months.I have no allotments.

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 2023-12-01 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: NV

Complaint narrative:
on XX/XX/23 a letter was sent to transunion disputing some incorrect personal that is currently reporting on my report. I have yet to receive any correspondence letting me know that my request was even processed.

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 2023-12-02 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: OH

Complaint narrative:
XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: OH

Complaint narrative:
XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2023-12-02 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: NV

Complaint narrative:
on XX/XX/ a letter was sent to Experian to dispute and verify some accounts that i know are not mine. They have yet to even process my request and respond to my dispute. These things on my credit are hurting me financially and causing stress in my household.

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a claim against spirit airlines for XXXX charges. Both were the same amount XXXX dollars. XXXX for a XXXX flight and XXXX for a XXXX flight, both were to XXXX and impacted by the XXXX and had to be canceled. XXXX refused to refund the flight only pushing a voucher which I did not want. I filed a claim with the bank for the charges. The bank then closed XXXX of the claims and tagged it as a duplicate. When I called to question. This and Inform them it was not a duplicate they gave me an attitude. They admitted they messed up and it was not a duplicate but said they would not give me the temporary credit back and would add notes. When I asked for a manager I was put on hold at XXXX. The agent came back at XXXX and said they are done adding notes. I asked where the manager was I had asked for and they claimed the managers left at XXXX pm. I than said they did that on purpose and it was not acceptable. The agent refused to get a manager and hung up on me. They then closed my account a XXXX hours later for no valid reason. I have been a customer for almost a XXXX for this bank. They locked my debit card and online banking and will not give me access to my money. They blocked my attempt to withdraw my funds saying they will mail me a check when they finalize the closure. This is ridiculous as my rent is due and now I can not pay it. When I asked for a letter from them stating they were closing my account because of a bank decesion, and that they were with holding my funds they would not provide XXXX and said I would get XXXX in the mail when it is finalized. They have illegally with held my money and caused me to get late fees and possible eviction notice if the rent is not paid shortly. They did nothing to resolve the issue and kept saying it was a bank decesion and they dont have to give me a reason. This is unnaceptable and they have now caused me XXXX damage 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 monetary relief