vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XX/XX/year>, I started to work with XXXX XXXX for the purpose of restructuring my credit card debt. They were authorized to assist with the balance and credit card debt for my Business Credit Card for XXXX XXXX XXXX, XXXX XXXX XXXX. All of the documents completed with XXXX XXXX were just for me individually and did not include my husbands or his accounts at all. 

On Friday, XX/XX/year> my husband informed me that his own business credit card was no longer functional. I am not a card holder of this card or account. He contacted US Bank and they told him that they shut down his card because of my work with XXXX XXXX and that he should call XXXX XXXX. My husband has attempted to call XXXX XXXX with hours on hold and messages left. 

On XX/XX/year> I was traveling to XXXX for business and attempted to make a purchase and our joint personal credit card was not working. I called US Bank and they informed me that our Joint Personal Credit Card account was closed. Multiple calls were made to US Bank Credit Card Customer Service and I was passed to XXXX XXXX and spent several hours on hold. I also attempted to call customer service of XXXX XXXX for them to assist with the discussion and after waiting for 90 minutes on hold, could not continue to wait. 

My husband has repeatedly called US Bank XXXX XXXX and left multiple messages about this situation without a return call back and the continued problem of repeated transfer of our calls from department to department, each time needing to repeat the story from the beginning without a solution. We have gone to the local branch to ask for assistance without a response from the branch manager as to who we need to contact to address this problem. 

When I last attempted to call US Bank they told me that this is what you get for involving a company like XXXX XXXX. 

To date, we have not been able to successfully reach anyone in the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for our credit card accounts to effectively discuss the problems we are having. 

We have had no phone call, written correspondence, or any form of communication to reach us to discuss or warn that our credit accounts would all be shut down and that {$11000.00} of credit card rewards cancelled. I was in XXXX traveling for work with no ability to pay for my travel and expenses given the abrupt nature of these cancellations and no warning that my available forms of payment would not work. I caused a considerable amount of stress and no available assistance or support as this problem evolved. 

To date, we have had no resolution or ability to reach US Bank.

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 2024-09-14 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: EQUIFAX, INC.
State: NE

Complaint narrative:
On my credit profile I noticed some hard inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX I made two payments of {$500.00} to XXXX XXXX XXXX  and was told I would not be 30 days past due when I made the two installments in a agreement I was so afraid I called back and was told again I wouldnt be delinquent reasoning being because Ive never been delinquent and thats important to me and to my credit score and my livelihood for my family and I. XXXX employees told me false information and reported it & made my credit drop XXXX points. Thats devastating. Then these three Credit credit bureaus XXXX Equifax, XXXX XXXX have reported false information and or reported ND instead of changing my report to current status and removing negative information. Please investigate all parties involved synchrony bank, Equifax, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: WI

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . THIS INACCURATE INFORMATION VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) ( A ) FCRA 15 USC 1681i. BY THE PROVISIONS OF THE FAIR CREDIT REPOTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX METRO 2 COMPLIANCE REGULATIONS, I DEMAND THAT THESE DEROGATORY ITEMS BE investigated AND DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-13 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: 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.

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 explanation
Consumer complaint received 2024-09-13 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: OH

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 

Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to access my credit information XXXX and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: FL

Complaint narrative:
An account is being reported from TRUEACCORD CORPORATION on my XXXX credit report only and I have never used or authorize this company or have any business with this company. 

This account was open on XX/XX/year> as stated by the company.

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 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lawson Hamilton & Associates
State: CA

Complaint narrative:
In XX/XX/XXXX I had an accident, went to a lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the lawyer sent me to a clinic were I had a lean. 
The lawyer drop my case in XX/XX/XXXX, and notified the clinic. 
In XX/XX/XXXX the clinic send me to collections for {$3400.00} I called the clinic XXXX XXXX XXXX to complain and they told me to deal with the collector Lawson Hamilton & Associates , INC I called Lawson Hamilton & Associates , INC and they told me they would not removed the collections and that they want me to pay {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
On or about XX/XX/XXXX affirm put several account on my report after almost 2 years of disputing they finally removed wrong information except 1. I told them this was identity theft did not have no knowledge of this also on XX/XX/XXXX sent police report. They never responded back to me they choose to ignore my letters. After almost 2 years and contacting an attorney they finally responded on XX/XX/XXXX that they found it in my favor and accounts dont belong to me so they removed them. On XX/XX/XXXX I sent a letter to them that one has not been removed again no responds. On XX/XX/XXXX I call spoke to supervisor. He told me he has no information that he will escalate the matter. On XX/XX/XXXX. I get a respond from affirm that. The account XXXX  belongs to me. But how? Was that even investigated that quick in 2 days. I have yet not received any contracts any copy of social security card any copy of picture I.D . To open credit with affirm. And before receiving credit with affirm they ask for picture id to be uploaded but yet they cant send me a copy of mine if it is me. Now comes the illegal part. This was charged off on XX/XX/XXXX and to this day they are re-aging the account so the clock starts over every month. That is a very serious offense this needs to be removed from my report if proper documentation cant be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-14 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.,

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 2024-09-13 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-13 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: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
Target allowed an identity theft person to open a Target credit card in my name without my authority. Then when I called to alert Target of the fraudulent credit card opened in my name & demanded to have it closed immediately! Target sadly neglected to close the new credit card that was fraudently opened in my name & instead frauded the credit card I had with Target since 2021 blocking me from access to the account whatsoever & I tried to make a payment online as Ive been doing for past year & a half, Im npw blocked from any access & cant even pay the min due on time creating a vicious cycle of late fees now due to the fact that Target blocked the wrong card XXXX  & needs to fix this critical mistake they made on my behalf now affecting my overall credit the main thing I absolutely did not want to happen. Targets negligence has this matter has affected my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX Account # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX  Account # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported

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 2024-09-14 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: NE

Complaint narrative:
On my credit profile I noticed some hard inquiries that are not mine.

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