vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
On XX/XX/year> I XXXX XXXX filed a lawsuit against Transuion for reporting fraudulent items on my credit report Item # XXXX XXXX XXXX XXXX {$XXXX} Which is a fraudulent account if this account is not removed XXXX seeking damages or {$XXXX} along with attorney fees According to section 605b of the FCRA

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I recen

tly reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: CA

Complaint narrative:
I received in the mail from NETSPEND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A bank card with my name, and a routing number XXXX and account number XXXX a bank name : XXXX XXXX. 

I had never contacting this bank and have no desire for a new bank card and account with a company I know nothing about and have no relationship with. 

Looking at the one page letter with this information and physical card, which has a XX/XX/year> expiration another account XXXX -different from the earlier bank account, suggesting this is an additional credit card account. 

This letter has no 'contact us to remove your name from our database ' or any way to confirm an account is actually no already in existence. That is to say, it is saying this account exists, going as far as to state " provide this rounting number and account number to your employer to set up direct deposit. '' To me this whole letter sets off a chain of concern about identify theft and what actions now I need to take to figure out if there are other accounts in my name -as well as how this NETSPEND/ XXXX XXXX  XXXX bank have my personal information and created a credit card in my name. For context, this year our mail was stolen, including a bank statement, and with just that statement, theives started direct withdrawals from our account having just our account number and routing number. We had to close our account, open a new one, and update all our direct payment services for water, garbage, energy, credit cards. This is to say having a routing number and account number to a bank account I have never establish arriving in the mail is a serious concern. Especially since I have no way to contact this company. All the paper has besides the po box address is a QR code to " Scan to Verify Your Identity '' This is to say, I am sure if I try to contact them other than by snail mail, they will have to 'verify my identiy ' to talk to anyone, and thereby inadvertently trick individuals to confirming I am a willing partner in their scam to establish a unsolicited account and credit card. 

Please take action against this company. While I am a savvy individual, I am sure other people are trying to contact this company to say they do not want to receive further communication and thereby from this company 's perspective via an 'identify verification ' setting up the 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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Upon completing balance transfers to my XXXX U.S. Bank credit cards within the limits of the transfer requirements I was informed that my credit cards would be closing after review upon determining I have put the bank at risk by repeatedly, reporting my cards, lost or stolen, which is patently, false, as I have had the same credit cards for years with no reports of them having been lost or stolen, and all my payments are on time, and I always pay over the minimum required amount. I feel that because I revealed that I am on XXXX they fabricated this excuse as a means of discriminating against my protected class as a US citizen, incapable of performing job functions while undergoing XXXX medical treatments.

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 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My wife and I are XXXX Citizens in good standing. We recently moved to XXXX XXXX and applied for residency. We found a lot that fits our needs and we wish to build a house in the near future. On XX/XX/XXXX, I initiated an international wire for {$15000.00} to send to our respected attorney in XXXX XXXX. The wire was not released until XX/XX/XXXX because the USAA compliance office had questions about the recipient as she has a very common name in latin culture and apparently there is someone with her same name and date of birth who has a XXXX  and XXXX passport that must be on some kind of list. All of the communications with their office of XXXX  were done by email which allowed me to verify the authenticity of the requests. They did finally release the wire 10 days after I submitted the initial wire. We were able to pay the earnest money for the lot and we have a signed contract to buy the property. On XX/XX/XXXX, I initiated the final payment to the same recipient. The amount of this wire is {$170000.00}. I specifically asked before sending the wire if we would go through the same issues with the second wire as we did with the first because there are some very important time deadlines involved with this transaction. I was told the intial wire was released, the questions or issues were resolved and this second wire should go much smoother than the first one. The money was deducted from my account on XX/XX/XXXX, the same day I initiated the wire. During the first week of XXXX, we received confirmation of an incoming wire to our attorney. On XX/XX/XXXX, our attorney told us that money never made it to her bank and requested that I call USAA in order to see what happened. I called USAA on XX/XX/XXXX only to find out that the wire had been cancelled. When I asked why, all I was told was that they tried to call me twice and left voice messages and since I didn't respond to these, they cancelled the wire. I know this to be a blatant lie because I monitor my messages very carefully and they never left any voice messages. In addition, if the wire had been cancelled, the money would have been returned to me. I am making as much noise on my end as I can to try to get a resolution but the bank is now stonewalling me.Because of the delays, we are now in jeopardy of losing our earnest money and they have locked up my money leaving me no way to make this transaction. They will not tell me why they have not put the money back into my account. I have an account at USAA because my father who passed away XXXX  years ago was a career veteran in the XXXX XXXX XXXX. Please help.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Transunion ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, XXXX while my credit report shows an outdated address of [ XXXX XXXX., XXXX, XXXX ] [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2024-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
I had requested a mortgage payoff to refinance my mortgage and get lower payments 3 weeks ago my loan officer and I have requested it not a single email back at all from this company. Feels like they are trying to force me to refinance through them. Complete disregard for the customer and so much hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts XXXX be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tennessee Credit Management, Inc
State: SC

Complaint narrative:
I have discovered items on my credit report that do not belong to me, as well as accounts that were opened in my name using my Social Security number without my authorization. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. I am filing this report to dispute these fraudulent accounts and to initiate the necessary steps to remove them from my credit report and secure my personal information. The company violated my right to privacy and giving my information to a third-party which is considered identity theft. 15 usc 6802.

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 2024-11-14 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: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Somehow I got signed up for an Amazon Syncrony account. I have no idea how. Got my XXXX bill in XXXX. I thought it was an ad so I dumped it. In XXXX I get another bill and a text that I am in arrears. Now they are putting my XXXX XXXX on the card and I now have a previous balance plus {$40.00} late fee. I call XXXX and told I the lady I want the card canceled. Woman tries to talk me out of it. I refuse until she reluctantly agrees. In XXXX I receive a new bill for {$110.00} for past due + {$80.00} in late fees. 
I call Syncrony back and ask them why it wasn't canceled already and that I WILL NOT PAY {$.00} more. Now I want an email saying it is canceled. 
I call XXXX and tell them to put my XXXX back on my Debit card. Now this morning my monthly XXXX order on my Debit card has been declined. I haven't even used the XXXX card personally, but had to " pay it off '' in XXXX with {$33.00}.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
just reviewed my cfredit for the first time and i have so many unauthorized inquiris that do not belong to me please help me they did not all fit in my report/ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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