vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and 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 2024-08-20 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2024-08-20 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:
XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you guys please help me to remove those inquiry because I never gave authorization to those bank to pull up my credit im already contact experience XXXX XXXX To help me with the situation, I even contacted Company nobody answered me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have an account at Transunion. For some reason it does not recognize my login information. I have spoken to four agents of Transunion to resolve this problem. No one can help me. I need to have access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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.

Complaint narrative:
On Friday evening, XX/XX/24, I discovered that I was impacted by a recent data breach in the United States. I immediately started the process of freezing my credit with all three credit agencies. 

I tried to set up a free account online with Experian, but I got an error message that they were unable to verify my identity. There were different customer service numbers provided and most of them were only available Monday-Friday. On Monday, XX/XX/24, I called the numbers that they provided and was unable to get through to a representative to help me. They have an automated system that will not transfer customers to a live representative for assistance. I tried calling about five different customer service numbers, but I was unable to get through to a customer service agent to help me. 

I messaged Experian on XXXX on Monday ( XX/XX/24 ) afternoon around XXXX, and they responded to my message at about XXXX XXXX  on Tuesday ( XX/XX/24 ). The person on XXXX was unable to verify my account and referred me to their website. I reminded them that the reason I was contacting them was that I already tried to set up an account on the website and was getting an error message. They then gave me a different customer service number and assured me that I would be able to get assistance from a customer service representative. So far, I have not had any luck getting through, but I am trying. 

I also emailed them at XXXX on Monday XX/XX/24 at about XXXX regarding this issue. My case number is XXXX They have not responded yet ( of course ). 

Why is it so hard to contact Experian in cases where there could be fraud? The other two agencies were much easier to contact and set up my accounts. Experian provides customer service numbers where you can not get through to an agent, a XXXX message option where they get back to you within 24 hours, and a po box you can MAIL inquires to. Where is the sense of urgency? There is none with Experian.

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 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been trying to close my savings account with Citi Bank, but there is not an option to close it online, so I called them on the XXXX of XX/XX/year>. When I was transferred to an associate, I was asked to provide my name, account number and last four of my SSN. I provided all the previous requested information. After that, I was asked for a card number, I never received a card in the mail. After I told the agent this, I was asked for a security word. I have no idea what they are talking about. There is no security phrase, just some random word. I do not remember setting up a security word, nor have I ever been asked for one when accessing my account online, yet they say one exists. When I got nowhere with this agent, I asked to speak to a supervisor, and got the same runaround. I should not have to jump through hoops to close an account. I want my account closed and I want my money.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refuses to tell me why they lowered my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against JPMorgan Chase & Co. concerning an unjust foreign transaction fee of {$39.00} that was charged to my account. I believe this fee was improperly assessed, and I am seeking your assistance in having it removed or waived. 

On XX/XX/24, I made an online purchase through what I believed to be a domestic website. At no point during the transaction was it made clear to me that this purchase would be processed as a foreign transaction. There was no transparent indication on the merchants website, nor was there any alert or notice from Chase to inform me of the impending foreign transaction fee. 

As a consumer, I rely on the clarity and transparency of financial institutions to understand the costs associated with my transactions. The lack of transparency in this instance has caused me undue financial burden, which I believe could have been avoided had there been proper disclosure from either the merchant or Chase. 

I have already reached out to Chase customer service to request a waiver of this fee as a one-time courtesy, considering the circumstances. Unfortunately, my request was denied. Given that I was not made aware of the potential foreign transaction fee at the time of purchase, I feel it is only fair that this charge be removed or refunded. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and help facilitate the removal of this fee or its waiver as a one-time courtesy by Chase. I believe this action would be in line with principles of fair treatment and transparency in financial transactions. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
My account with Experian 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.

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. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/XXXX Citibank cashed a check issued to them in the amount of {$11.00}, XXXX from a XXXX checking account. That check was sent through a bill pay on XX/XX/XXXX. Those funds were supposed to be sent to a XXXX XXXX credit card account as I NO LONGER have a credit card with Citibank NOR owe anyone from Citibank any money. I opened my account with Citibank on XX/XX/XXXX and that account was closed on XX/XX/XXXX with a XXXX balance. 

My intentions were to pay off my credit card with XXXX XXXX and I mistakenly hit my old payee account with Citibank 's information on it. My money was taken and cashed by Citibank. 

I have reached out to Citibank more times than I can count and I was told because my account was closed back in XXXX that no one can help me ( more specifically via phone or a human being ). I was informed I needed to write a letter to Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX with a picture of the check ( front and back ) issued by XXXX requesting my money back in full. Two letters have been sent now, the second being certified with a copy of the check. 

Both Citi and XXXX claim it's the other banks fault. XXXX still has an investigation pending but there continues to be zero resolution. I am reaching out for any support, help and or direction on how to get my funds back immediately. I reached out to my state of Maine Bureau of Financial Institutions but they do not have on association with Citibank.

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 2024-08-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC
State: AR

Complaint narrative:
I joined a credit repair service for XXXX dollars and they didn't do anything or respond to my emails or calls I requested a refund because a service wasn't provided I'm being ignored and up on doing research this company is committed Fraud to a lot of people ( united funding logistics ) out of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to GAAP practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. 

Delete the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ga XXXX Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft. 

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXXXXXX # XXXX Date opened XX/XX/XXXX Balance {$480.00} XXXXXXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I have been incarcerated since XX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : 1. A copy of my government-issued ID.

2. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ).

3. Sentencing papers as proof of my incarceration Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity 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 non-monetary relief