vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX Social Security NumberXXXX XXXX ChexSystems, Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Subject : Urgent Request for Fraudulent Inquiry Removal Within 24 Hours Dear ChexSystems Representative, I am writing to demand the immediate removal of fraudulent inquiries from my ChexSystems report. I have been a victim of identity theft, as documented in the enclosed FTC Identity Theft Report. The unauthorized inquiries listed below were made without my consent, and I require their removal within 24 hours. 

The fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), I insist that you : 1. Investigate these inquiries immediately.

2. Remove all unauthorized inquiries and related records from my report within 24 hours.

3. Provide written confirmation of these actions.

Enclosed are the following documents to support my dispute : 1. FTC Identity Theft Report.

2. Government-issued photo ID.

3. Supporting evidence for my claim 4.

This matter requires urgent attention to avoid further damage to my financial standing. If this issue is not resolved within 24 hours, I may escalate the matter by filing complaints with regulatory agencies or seeking legal action. 
You can contact me at XXXX or XXXX for further information or clarification. 

Thank you for addressing this issue promptly. 


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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
3 different amounts are being showed on my credit report with one have a XXXX balance of totaled owed. I've asked several times for the correct amount to be updated as well as thee 1099 form that they received when the property was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: OR

Complaint narrative:
Ive looked over my credit report and was shocked to find a mistake about an account. This account is either wrong or doesnt belong to me, and its seriously hurting my credit score.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Card revoked temporary provisional credit and closed fraud investigation in violation of its written XXXX fraud protection policy. I am a patient at XXXX XXXX and other hospitals in XXXX for XXXX XXXX I live in XXXX alone during treatment. This summer, I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Several credit cards including my Discover Card were stolen and used for transactions. Fraud investigations were opened and new physical credit cards were used. Additionally, my cell phone and XXXX  accounts were hacked into. My credit and debit card PINs were stored in my phone which is how I believe the perpetrators obtained them. Even after my credit cards were cancelled and re-issued, someone has tried to setup virtual access to my credit cards via XXXX XXXX and XXXX XXXX. The other parallel fraud/theft investigations with the other credit cards were closed in my favor. But, despite failing to perform any adequate investigation, Discover Card violated its fraud protection policy by deeming the unauthorized transactions to be mine and closing its fraud investigation. Today, I called XXXX in Discover 's fraud investigation Department and asked them to re-open the investigation. XXXX asked me investigation questions for the very first time that should have been asked months earlier. Specifically she asked how the perpetrators obtained my PIN number and I explained that it was stored inside my phone which I believe was accessed and hacked into while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel Discover Card is discriminating against me because of my XXXX as I am unable to fully safeguard my wallet and credit cards during emergency ambulance runs, ER presentations and related hospital admissions where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My other credit cards that were also stolen at the same time have identical XXXX fraud protection policies that applied to my situation. XXXX replied she can only request the fraud department consider a re-review but they will NOT issue the provisional credit promised under Discover 's written fraud policy. Regardless, Discover Card has not properly investigated as it had no evidence whatsoever to support its false conclusion that I authorized this theft and these fraudulent transactions. Discover Card is punishing and taking advantage of a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
3 different amounts are being showed on my credit report with one have a XXXX balance of totaled owed. I've asked several times for the correct amount to be updated as well as thee 1099 form that they received when the property was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I was charged by XXXX XXXX for 6 unauthorized transactions of {$88.00} each ( total of {$520.00} ) on XXXX. My bank USAA contacted me about these charges as potentially fraudulent. I responded that I had not authorized those charges. USAA stopped payment and reissued me a Debit Card. USAA credited by account on XXXX with XXXX payments of {$88.00} ( total of {$520.00} ). 

However, on XXXX USAA reversed those credits so that I am still liable for the {$520.00} that I did not authorize. 

I have talked to USAA a number of times but there has been no resolution. I have a fraud case number with XXXX XXXX. I have a XXXX, AL Police case. I last spoke to USAA on XXXX about this rejection of my claim. They were supposed to call me back but never did.

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 2024-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for a Pledge loan at Navy Federal Bank this loan is basicaly a secured loan I was approved and I agreed to a XXXX XXXXsand dollar secured XXXX loan with a two year time frame to pay it back.I was informed by the bank that ounce I made my final payment that my money would be returned to my acount I made my final payment on XX/XX/XXXX and never recieved my money back into my savings account. When I called the bank telephone help line and asked when would the money be put back into my account I was told that it would show in my account within 24 to 48 hours. the money never showed on my online banking so I went to the bank three times, first time XX/XX/XXXX, and the XXXX. the bankers could not provide me with a papper trail proving that they deposited my money back into my savings account. I was told they had to reach out to the consumer loan department they would email me I never recieved a email and so I went back to the bank, I asked to speak to the bank manager and she told me that she did not have no more information for me showing that my funds was deposited back to my savings account. They just kept giving me print outs of my bank statemen, which i already had. I have gone over my bank statments highlited the times and dates of my payments twords my XXXX loan and there is no were in my bank statements showing I received my money being deposited back into my account. I was told every time I made a payment the amount of the payment was released back into my savings account but theres no proof on my bank stament showing that i received the money in instalments and definitley not showing in my total account balance. I am requesting that my XXXX XXXXXXXX XXXX  that was wrongfully withheld from my account after I paid off the XXXX loan be returned to me in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-22 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  is inaccurately reporting on my credit with XXXX. They are inaccurately reporting an account I have with XXXX XXXX XXXX  ending XXXX, with XXXX XXXX XXXX XXXX  account ending # XXXX. The account is the same property. period of times and dates. 

I contacted them as well as XXXX previously indicating they had incorrect delinquent information ; they said they removed it. Although, in the summary, the account says it was paid as agreed, yet it appears on account # XXXX I was 60 days late in XX/XX/year>. This is false. 

I have copies of my XXXX XXXX  statements which show XXXX XXXX XXXX XXXX  electronically deducted the payments from my checking account for that month and the two months prior, so the account is not past due. 

Also, XXXX XXXX XXXX XXXX  's records for account # XXXX, which is the same loan and the same period, the Bank reports my payment was paid as agree and the historic payment history provided on this account do not report any my payment being delinquent in the payment history they provide during the same time.

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 2024-11-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  is inaccurately reporting on my credit with Equifax. They are inaccurately reporting an account I have with XXXX XXXX XXXX  ending XXXX, with XXXX XXXX XXXX XXXX  account ending # XXXX. The account is the same property. period of times and dates. 

I contacted them as well as Equifax previously indicating they had incorrect delinquent information ; they said they removed it. Although, in the summary, the account says it was paid as agreed, yet it appears on account # XXXX I was 60 days late in XX/XX/year>. This is false. 

I have copies of my XXXX XXXX  statements which show XXXX XXXX XXXX XXXX  electronically deducted the payments from my checking account for that month and the XXXX months prior, so the account is not past due. 

Also, XXXX XXXX XXXX XXXXXXXX XXXX  records for account # XXXX, which is the same loan and the same period, the Bank reports my payment was paid as agree and the historic payment history provided on this account do not report any my payment being delinquent in the payment history they provide during the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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 dispute the following hard inquiries on my credit report. Under the Fair CREDIT Reporting Act ( FCRA ), section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX MO XX/XX/year> 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 XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-11-22 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 dispute the following hard inquiries on my credit report. Under the Fair CREDIT Reporting Act ( FCRA ), section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
You are violating my consumer rights ... ..I cant acccess my file.. 

Theres still a fraud alert on my file and I cant access my score. Its giving me an error. All of my personal information is correct!

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You are violating my consumer rights ... ..I cant acccess my file.. 

Theres still a fraud alert on my file and I cant access my score. Its giving me an error. All of my personal information is correct!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I received a call from MCM management yesterday XX/XX/XXXX at XXXX saying this is an attempt to collect a depth I ask the representative to not call my phone number again and that this is harassment and he insists on saying that he will continue to call. I received another call today XX/XX/XXXX at XXXX from MCM which is midland credit management they have been calling my phone everyday even asking them to not call my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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