vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
Dear Transunion, I received your attached response to CFPB complaint number XXXX dated XX/XX/year> in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX which has also been attached to the present complaint for reference and as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either 1. the request was made in error, 2. the request was based on a material misrepresentation, or 3. That I received goods services or moneys as a result of the transactions I am seeking to block. Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-25 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: FL

Complaint narrative:
I am a known victim of identity theft. I have been dealing with this since late last year. I have followed all of the instructions for what to do in this situation but the credit bureaus are not really doing anything to help me and they are violating federal law.. I did get a response from your office but have not heard anything since then. I have sent my information to the credit bureaus and there are 2 cards that were not opened by me. The accounts. Obviously, the account is in my name. IT IS IDENTITY THEFT!!!!! I am not disputing it and saying it is inaccurate, I am saying someone got my information and opened the account by pretending to be me. I do not understand what it is they can not wrap their head around,. Please help me. This is ruining my whole life. I need assistance.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-26 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: UT

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-26 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: FL

Complaint narrative:
I am a known victim of identity theft. I have been dealing with this since late last year. I have followed all of the instructions for what to do in this situation but the credit bureaus are not really doing anything to help me and they are violating federal law.. I did get a response from your office but have not heard anything since then. I have sent my information to the credit bureaus and there are XXXX cards that were not opened by me. The accounts. Obviously, the account is in my name. IT IS IDENTITY THEFT!!!!! I am not disputing it and saying it is inaccurate, I am saying someone got my information and opened the account by pretending to be me. I do not understand what it is they can not wrap their head around,. Please help me. This is ruining my whole life. I need assistance.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing to address a serious issue regarding an ATM deposit that has resulted in unauthorized deductions from my account, causing significant financial inconvenience. All of this can be backed up with statements that have the $ amount and date. 

On XX/XX/XXXX, I deposited {$330.00} in cash into my account via an ATM at Bank Of America on XXXX. Unfortunately, the ATM malfunctioned midway through my deposit, and I had to use a neighboring machine to complete a second deposit of {$41.00}. The total amount was correctly reflected in my account, and I assumed the matter was resolved. 

However, shortly after, I noticed a charge labeled " insufficient funds from ATM, '' which withdrew {$330.00} from my account, causing it to go negative. I promptly filed a claim and was informed that an investigation was underway. Subsequently, a temporary credit of {$330.00} was applied to my account, which I understood to be a resolution of the issue. 

To my dismay, on XX/XX/XXXX, the {$330.00} was withdrawn from my account again under the label " temporary credit reversal. '' This has caused my account to go negative once again, severely impacting my ability to manage other financial obligations. Just recently, I deposited {$280.00} into my account, thinking I could pay off my credit card, yet I am still - {$40.00} at Bank of America due to this recurring issue. 

This situation, caused by a malfunctioning ATM and further compounded by errors in handling my funds, has disrupted my finances twice now. This is entirely unacceptable and falls short of the service I expect from Bank of America. 

I am requesting MY money back. I dont want compensation. I dont EVER want to do business with this company again either. 
This is now on the verge of affecting my credit score due to this financial institutions shortcoming.

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 2024-08-26 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: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Optimum First, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, we started the refinancing application with XXXX XXXX XXXX for a rate of XXXX XXXX which was very good at that time. On XX/XX/year> we had finished e-signing all the papers and on the following days we received the disclosures and the loan estimate. On XX/XX/year>, we paid the appraisal of {$800.00} which confirmed the value of the house. The loan XXXX, XXXX XXXX, assured us that everything is moving along as planned. On XX/XX/year>, the same loan officer emailed me that our loan was denied, the reason being that he miscalculated my income when the loan was offered, so I would not have qualified for it. 

I requested a full refund of our appraisal since there was no fault or mistake on my side. Our financial landscape had not changed between the time we signed the loan estimate and the time the loan was rejected. The lender never refunded my appraisal. The lender should have never pursued the loan and make me pay for appraisal if I didn't qualify. Moreover, during the back and forth email discussion with the loan officer, I repeatedly emphasized the particularities of my financial situation and asked for confirmation multiple times that everything is acceptable. I can make the email conversation available if needed. 

I believe there might have been an illicit intention of attracting prospective homeowners into refinancing at a time when the interest rates were at historic lows, in order to extract money from the appraisals which might have been shared between the loan officer or loan company and the appraiser, without an honest intention of approving the loan. Considering my open and proactive approach in assuring the loan was ok, there is nothing I could have done to prevent this situation, therefore I believe they had set a trap using predatory lending practices which are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
EXPERIAN- For over the past 6 months, I have tried to correct their error in the personal information section of my credit report. For no reason at all, my current address was suddenly removed, and my previous address from XXXX listed as my current address. 
Almost impossible to contact customer service, even though their Dispute Section website directed me there. When I have, I received a different response each time. 
Finally spoke with a supervisor who informed me I needed to upload a copy of my current driver 's license and a copy of a current utility bill, which I did, and verified it was received by their system. After a week my report was still incorrect. More calls and more promises it would be fixed. As of XX/XX/year> my current address STILL has not been updated. 

This is only a problem with my EXPERIAN credit report. Both XXXX and XXXX XXXX have my correct address. I have subsequently run into issues with creditors who have pulled my credit report from Experian, as the personal information/address I have provided potential creditors conflicts with Experian 's address information.

A terribly run company, beyond difficult to deal with this CA. I have no resource to complain, because they feel it's not their problem and know I'm limited in escalating this issue. I have worked in customer service for years and their employees are the most incompetent, rude, and dismissive reps I've ever encountered. 

I finally stopped trying to fix the issue as it was causing incredible stress and I simply could not deal with it any longer. Their consumer-based credit score service is exorbitantly expensive for anything more than their credit score and report. $ XXXX for " ExperianBoost '' or additional versions of FICO scores.

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 2024-08-26 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:
I submitted a complaint to the CFPB on XX/XX/year> regarding my complaint of XXXX XXXX  of debt bondage. all 3 credit bureaus have neglected my dispute and I am demanding it be reinvestigated. I am a victim and this is unjust as a consumer that I am being treated as such. this is discriminatory and prejudiced. while being on XXXX XXXX XXXX  I have become a victim and this situation is very XXXX to me and I hate that I have to keep reliving this tragedy with you and disputing this so many times. please remove all negative accounts form my credit report as they are a response of the trafficking. I have attached appropriate documentation ( XXXX XXXX  victim determination documentation/Self attestation form ) as well as the documentation I received via mail that claims my request is not valid. The below accounts I am asking you to revisit and remove 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 thank you and again, please consider the fact that I am on XXXX XXXX XXXX  for OUR country and you are completely ignoring and violating my RIGHTS as a human being. thank you.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a call directly from the Chase phone number regarding a fraudulent charge on the account. They proceeded with steps in order to close account/make a new one/transfer funds from the accounts in order to cease any more fraud.

While on the call, I suspected fraud and called Chase from another number to explain the situation. While on the call they offered no assistance with either closing accounts/stopping transfers/or anything that they could have done in their power in order to stop the funds from being withdrawn.

A wire transfer of {$3100.00} was made to an external account and to this day we have not had any assistance from Chase. I made one final call in XX/XX/XXXX where the customer service rep mentioned that the best solution was for me to contact the scammers and request the funds from them which is ridiculous. To this day we did not received anything in writing from Chase regarding the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief