vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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 XXXX 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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
RE : XXXX  Block Request I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

This is fraud as a result of XXXX XXXX. 

Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit cards and credit lines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERVICEXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I opened the account in XX/XX/year>. Checking account bonus is missing. The bonus should be deposit after 6 months and they still didnt deposit bonus and now they are claiming that the bonus was not applied due to mailer name not listed on my name. When actually i opened the checking account bonus online not through the mail system. They said instead they can pay {$300.00} as it sounds sketchy. I want full checking account bonus of {$500.00} as i met my requirements. Please help me with this situation. It doesnt state in requirements that bonus cant be give to the differe name on the mail system. Please show us the requirements and plus i didnt even use mail promotion code so the information is false and doesnt apply to my account. Please ask them to deposit {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-10-11 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened a US Bank personal checking account XXXX on XX/XX/year>. However, US bank closed my account without my consent late XX/XX/year>. Since then I have not received my funds ( {$460.00} ) that were remaining in the account when it was closed. When the company sent to me a letter in XXXX notifying me that the account was closed, they wrote in the letter that they would return the funds to me within 15 days as a cashier check. I attached the letter in this complaint. However, while its been more than 45 days since they closed my account, I have never received such a cashier check yet. So, they have not returned the remaining funds {$460.00} to me yet. Thus I submitted a CFPB complaint XXXX. I their response, they wrote that The enclosed letter dated XX/XX/XXXX, informed you of our decision to close your account. Your account was officially closed that same day. At the time of closure, your account had a remaining balance of {$460.00}. Since we were unable to verify the remaining funds, the funds were withheld. We are in the process of returning these funds to the originating financial institution. This is a bank-to-bank process which often can take months to complete and therefore, there are no funds to return to you. 
However, I have a bank statement of my linked external bank ( XXXX XXXX  ) that I used to transfer the funds of {$1000.00} into my US Bank account ending in XXXX mentioned above. As in the attached bank statement, the transaction to transfer {$1000.00} from my XXXXXXXX XXXX checking account ending XXXX to the US bank account ending XXXX was done on XX/XX/year>. That linked external account is my account under my own name and my home address, which are the same as that were used for the US bank account XXXX. I also attached the photo copies of drivers license and SSN card, which also proves my name and address. I even attached photo of myself holding my drivers license. I dont understand why US bank claims that they were unable to verify the funds of {$460.00} that were in my account XXXX. I want my {$460.00} funds back to me as soon as possible. If they can not return to me directly as a paper check, they should return to my XXXXXXXX XXXX checking account ending XXXX that I used to transfer the funds into.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report 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 explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX, I found that {$150000.00} was transferred from my bank savings card to a bank called Fidelity. I called them and they said it was an account opened by my SSN, which I did not open. Then I asked them to freeze the account and told XXXX XXXX XXXX. Then my XXXX XXXX  card was stolen many times and I closed the account. I had frozen my credit in XXXX, but I still received a credit card from XXXX and then closed the account. Recently, I received a bill for XXXXXXXX XXXX internet bill of {$3000.00}. I also received a repayment bill of {$5000.00} from Capital One, and I never received a credit card before. I subscribe to the USPS service, and they will take a photo of my letter before sending it to me. But I have never received a card from Capital One. I contacted customer service and they told me that there was no fraud. I feel angry, this bank is so ridiculous. In addition, I learned from the announcement of our community that there were many mailbox thefts in the XXXX zip code. I am not sure if it involves me, but I am sure that my SSN and credit are in a very unsafe place.I have contacted capitalone multiple times and have only received one letter stating that there is no fraud. This is ridiculous, I have never opened this card, I have never used it. I was not even in the US from XXXX to XXXX.I have already reported it to the FTC, this is my reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: GA

Complaint narrative:
There has been an identity theft going on with my TRANSUNION credit report as someone has tried to apply for a credit card with the name XXXX on XX/XX/year> without my knowledge or consent

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 2024-10-11 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: NJ

Complaint narrative:
I previously disputed the improper reinsertion of a fraudulent account from XXXX  XXXX XXXX on my credit report. This account was reported without my authorization. I filed a police report about this account, and it was removed from my credit report.

However, a few months ago, the account was added back without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. Credit bureaus are required to inform me within five days if deleted information is reinserted. Even after updating my consumer report, the fraudulent account is still being reported by Equifax. I received a letter from XXXX confirming they removed the account, but Equifax is still reporting it. This is a violation of FCRA Section 605B, which requires blocking fraudulent information when an identity theft report is filed, and FCRA Section 623 ( a ) ( 5 ), which prevents companies from reporting false information after it has been disputed. Additionally, Equifax 's failure to prevent this issue shows non-compliance with CFPB Regulation V, which requires credit bureaus to make sure information is as accurate as possible and to prevent incorrect information from being added back. Equifaxs actions show a disregard for these laws. For reference, I have attached a copy of the XXXX letter confirming the removal of the account, my police report, and a letter from Equifax confirming the account was removed before

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

- XXXX XXXX XXXXXX/XX/XXXX Experian The following inquiry was not authorized and should not be reporting.

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 2024-10-11 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX  Experian The following inquiry was not authorized and should not be reporting.

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 2024-10-11 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: FL

Complaint narrative:
I have had hard inquiries on my account that I do not recognize and never applied for. I reached out to all XXXX credit agencies ( Transunion, XXXX, XXXX ) and the assured me that they would take it off of my credit and they are still showing and affecting my credit and my life. 
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 2024-10-11 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Commenity Bank contact two of my family members to discuss a debt that I owe. When I contacted XXXX about this I stated that there were no other authorized people on the account but myself and that talking about my account with anyone but me is unauthorized. They stated that " since i wasn't answering my phone, that they had to think outside the box. 

They also stated that my phone was on their " do not call list '' so they couldn't call me. I never requested this. My phone is on the national telemarketer " do not call list '' and when I called them, the number showed as telemarketer on my phone. This is the only reason I can see. They are very abusive when a payment is late and it looks like they have landed themselves on blacklist phone number lists. 

Both of my relatives stated that the caller told them he was calling to collect a debt which led to my family members thinking i was in trouble. This us unacceptable behavior.

Company response to consumer: Closed with non-monetary relief