vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: RI

Complaint narrative:
ELAN FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Iam writing ot bring ot your attention afraudulent transaction that was made from my account on XXXX XX/XX/XXXX and attached information for fraudulent transactions Iwas shocked to discover that {$2800.00} was withdrawn from my account without my authorization or knowledge. 
I request that you investigate this matter thoroughly and take the necessary steps to refund the amount that was fraudulently taken from my account. I also request that you take measures ot prevent such incidents from occurring ni the future. 
Icalled customer service to cancel the card and Ialso called several times to the fraud department, and Idid not get any response Please investigate this matter urgently and keep me informed of the progress of your investigation. Iwould appreciate a prompt resolution to this issue. 
Thank you for your attention to this matter. 
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 monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Full Name : XXXX XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX Ph : ( XXXX ) XXXX Todays Date : XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Regarding Non-Receipt of Authorized Check Dear USAA XXXX XXXX XXXX, I am writing to formally address a serious issue regarding a check that was supposed to be issued to me in the amount of {$130000.00}. According to my records, this check was authorized by XXXX XXXX, the CFO at USAA, and was scheduled to arrive on XX/XX/XXXX. Unfortunately, I have yet to receive this check, and I am deeply concerned about its whereabouts. 

The absence of this check has not only caused significant financial strain but has also had a detrimental impact on my mental well-being. I kindly request that you refrain from denying any disputes regarding this matter, as the situation has become life-threatening and has led to considerable stress. 

Given these circumstances, I urge USAA to investigate the situation promptly. If the check has been lost or stolen, I ask that you issue a replacement check as soon as possible to alleviate the difficulties I am currently facing. 

I appreciate your attention to this matter and look forward to your swift response. 

Sincerely, 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 2024-09-11 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: 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 FICO 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I have no connection with the mentioned creditors, and these inquiries are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I have no association with the listed creditors, and the inquiries on my report are not from me.

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 2024-09-11 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:
I've been a victim of identity theft. My information was exposed to the public in the most recent XXXX and XXXX Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
These erroneous entries have severely affected my credit standing, resulting in a significant drop in my FICO score. Consequently, I am experiencing considerable financial distress, which has hindered my ability to obtain credit and manage my financial obligations effectively. 

Given the substantial impact this situation has had on my financial well-being, I urge you to treat this matter with the utmost urgency. I request that these inaccuracies be thoroughly investigated and that the erroneous items be blocked and removed from my credit report promptly.

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 2024-09-11 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: IN

Complaint narrative:
On XX/XX/year>, I submitted a dispute package to XXXX regarding fraudulent accounts on my credit report. This package included a police report, proof of identity, and a request for GAAP-compliant verification of the accounts. Under 15 U.S.C. 1681c-2, XXXX was required to block these accounts within 4 business days. However, as of XX/XX/year>, no action has been taken, and their online system shows that the dispute wont be completed until XX/XX/year>, far exceeding the statutory timeframe. 

I contacted XXXX on XX/XX/year>, where an agent confirmed that the file had been updated to reflect fraud ( File # XXXX ). However, the agent incorrectly claimed that all disputes, including fraud-related ones, follow a 30-day process, which contradicts the law that mandates a 4-day blocking requirement for identity theft cases. This misinformation and failure to act have caused financial and reputational harm. 

Following my initial CFPB complaint ( # XXXX ), XXXX responded to the CFPB on XX/XX/year>, stating they were still working on the issue and might require up to 60 days. This response ignores the statutory 4-day requirement and continues to perpetuate the misinformation that disputes, even in cases of fraud, take 30 days or more. While their investigation can proceed, XXXX is legally obligated to block fraudulent information immediately once proper documentation is received. 

Despite submitting all necessary documentation, including a police report, identity verification, and an SEC report, and notifying XXXX that I had the FTC Identity Theft Report ready, they have delayed taking action, violating the law and causing significant damage to my creditworthiness. The response to the CFPB demonstrates that XXXX is sidestepping its legal obligations, further damaging my financial standing and perpetuating harm. 


Additionally, Experian faced similar compliance issues regarding my fraud dispute, causing delays and harm to my credit standing. Both credit bureaus are failing to uphold their legal obligations, despite my proactive efforts to resolve these issues. CFPB # XXXX Experian Report # 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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: IL

Complaint narrative:
In XXXX, 2024, there was an issue with a purchase made with my Fidelity Rewards credit card issued by Elan Financial. I immediately notified Elan of the issue and started the dispute process for the transaction. Throughout the process, Elan asked me multiple times for various pieces of information and I provided thorough documentation showing that the merchandise was returned and that the merchant failed to provide credit for the transaction. Despite the clear evidence, Elan did not help resolving the dispute and returned the disputed amount to my credit card balance on XX/XX/2024. Now I am unable to reopen the dispute on their website for some reason, but a credit of {$730.00} is still due to my account.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I checked my credit report in XX/XX/2024 to find that there is a balance attached to my credit report for what appears to be an apartment complex. Ive asked for verification and have not gotten any Company is : National Credit Systems XXXX  {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
TD Bank. I deposited a check for {$1000.00} on Saturday XX/XX/XXXX at their XXXX location. Normally being the check is from a regular sender and their bank is in state they would normally clear it by Monday XX/XX/XXXX and would be available. I cut my landlord a check for {$870.00} later that afternoon and still had around {$170.00} in my account on top of that {$1000.00} ( that should have cleared ). I saw Monday that the check did not clear and told my landlord to hold off on depositing my check I cut him for {$870.00}. He said he already deposited it on the XXXX. I called TD immediately where I was told the check my landlord deposited wasn't showing on XX/XX/XXXX and that they would put a note on my account and if something looked wrong Tues XX/XX/year> just call up at XXXX XXXX  to push the check I deposited for {$1000.00} through. Morning of XX/XX/year> I saw the check was deposited on the mobile app and the {$870.00} check was credited. So the balance made it appeared like everything was ok like the rep told me the day before. XXXX XXXX XX/XX/XXXX same day I saw that there was an excess amount of funds in my account. I called up the toll free line and find out they returned my check for insufficient funds and credited the check for {$870.00} back to my account. My landlord is now charging me an excessive returned check fee on top of a late fee he would normally of waived as a result of this negligence. This disrupted my living situation and cant afford the hundreds of dollars in fees that I am being charged for TD bank dropping the ball. To add insult to injury they told me " oh you had to call by XXXX XXXX  to push it through before the insufficient account notice would go out. '' They didnt tell me that the day before. They also told me I had overdraft protection and that I should be fine. It looked find the morning of XX/XX/XXXX and it looked like they reversed everything and destroyed my ledger by the end of the day and had the audacity to tell me I had to call in that morning when everything appeared to have balanced out on the mobile app. I don't think I can recover from this. I escalated the complaint but no damages were paid as of today to remedy the grievance. Please forward to the Dept of Banking and Finance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 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:
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 FICO 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-11 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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2024-09-11 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:
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 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 2024-09-11 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: VA

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 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