vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. These fraudulent, inaccurate, and false information consists of a personal Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent charge offs 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 charge offs 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, and charge offs are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CO

Complaint narrative:
Not mine don't know what this company is never did any business with them don't know them..dont owe them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
I XXXX XXXX viewed my credit report and noticed several accounts, addresses and names that remain reporting in my account inaccurate. This is the THIRD TIME REPORTING THIS COMPLAINT. I URGENTLY ASK YOU TO REMOVE THESES INACCURATE INFORMATION FROM MY REPORT. I AM A VICTIM OF IDENTITY THEFT. PLEASE SEE THE ENCLOSED DOCUMENTS I PROVIDED IN THE REPORT. This is very frustrating. All documents have been presented proof of Drivers license, social security and theft affidavit but the accounts continue to be on my report. I need these items removed as soon as possible as theses accounts is making it hard to take care of my financial responsibilities. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help in this matter

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 2024-09-10 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: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/year> I was visiting XXXX, Washington. During my visit I lost my wallet containing my drivers license, social security card and several credit cards. I became aware of my wallet missing after receiving numerous possible fraud text message alerts from US, and Key bank financial institutions. I promptly responded via text and followed up with phone calls to make inquiries regarding the alerts. I contacted US Bank customer service and was asked by a representative if I had made several purchases at numerous high end retailers. I responded that I had not. I was also asked if the credit card was in my possession, I responded, no, it was not. I had lost my wallet. The representative then told me the card would be blocked and a new one will be mailed out to me and my account would be credited for the unauthorized charges. The following day, XX/XX/year>, I filed a police report online with the XXXX Police Department detailing the events the previous day. Subsequently, I received a business letter from US Bank assuring me that an investigation has been initiated regarding the unauthorized charges on my US Bank Cash++ credit card and I will be notified if any additional information was needed. 2-3 weeks after receiving that letter from US Bank , I logged onto my online US Bank account and noticed the charges I reported as unauthorized were reversed back to my account. I immediately contacted a representative and explained the situation. I was then told by the US Bank representative that the unauthorized charges had been determined valid and the case was deemed closed. I pressed the representative why had the charges been determined valid, I was told when I initially contacted US Bank regarding the fraudulent charges, I allegedly told the representative the credit card I reported lost/stolen was in my possession at the time of the unauthorized purchases. I told the representative that I didnt say that, and to have the initial contact call culled to review the conversation. I then was told a request would be forward to a case processor to call me back in 24-48 hours. I have not been contacted thus far.

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened a XXXX XXXXXXXX XXXX  account for a {$600.00} bonus and a XXXX XXXXXXXX XXXX XXXX account for a {$1000.00} bonus in branch. I met all the requirements of both bonuses and did not receive any bonus within the deadline specified in their detailed terms. When I reached out to the bank, they excused that ( 1 ) my deposit was 'coded as credit ' in their system, which was their fault not mine ; and ( 2 ) since my business was a Sole Proprietorship and I used my personal social security number as the tax ID, I would only qualify for one promotion, which I was not informed during the account opening process. 

My complaint would be that they are breaking their terms and not honoring the bonuses whose requirements were all met. 

For the {$600.00} XXXX XXXX XXXX bonus, it requires " Deposit at least {$25000.00} in cumulative new money within 90 days of account opening '' - I did on XX/XX/XXXX " keep your account open for a minimum of 90 days. '' - Done. Opened on XX/XX/XXXX, now is XX/XX/XXXX " We'll deposit {$600.00} into your account within 14 days of meeting the requirements '' - Not received yet. 

For the {$1000.00} XXXX XXXX XXXX  bonus, it requires " Deposit {$20000.00} in cumulative new money within 30 days of account opening. '' - My fund arrived XX/XX/XXXX, while account opened on XX/XX/XXXX, so within 30 days " maintain a minimum daily balance of {$20000.00} for 60 days after meeting the initial deposit requirement. '' - The {$20000.00} balance was there all the time till now " Account must be kept open for a minimum of 90 days. '' - Done. Opened on XX/XX/XXXX, now is XX/XX/XXXX " We'll deposit {$1000.00} into your account within XXXX days of meeting requirements. '' - Not received yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-09-10 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries 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 2024-09-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

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

Company 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 2024-09-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: AL

Complaint narrative:
Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.

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 2024-09-10 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: MO

Complaint narrative:
The listed creditors are not affiliated with me, and I did not make these inquiries.

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 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion XXXX and XXXX are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible. Accounts in question would be XXXXXXXX XXXX  XXXX XXXX dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates XXXX, XX/XX/year> 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 2024-09-10 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: IL

Complaint narrative:
XXXX XXXX and Equifax are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible. Accounts in question would be XXXXXXXX XXXX  XXXX XXXX dates XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates XXXX, XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
XXXX Experian and XXXX are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible. Accounts in question would be XXXX XXXX XXXX XXXX dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates 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 2024-09-10 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
on XXXX XXXX, Barclays ( Barclays of Delaware ) canceled my credit card because a random person called them on the phone and said I was deceased. 

After considerable effort, Barclays admitted they closed my account because someone on a lark reported me as dead. 

I informed Barclays that I was not dead. I asked Barclays to report to me what procedures they followed to assure the person calling was an authorized representative of the Courts or my Estate. 

Barclays ( someone claiming for marketing purposes to have a title associated with the CEO 's office and by extension some special administrative capacity which was proven untrue ) told me they would investigate how and who reported me as dead and on what basis Barclays operationally validated the report and or requested evidence to prove it. 

Barclays never responded to this point. After waiting 2 months for proper support to this matter of Privacy Invasion and Identity Theft, I closed my account- not wanting to give any more business to Barclays and not wanting to subject myself to such unprofessional, prejudicial treatment. Barclays never responded to the issue of wrongful report of a cardholders death and the matter of privacy and identity theft.

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 2024-09-10 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
They/ you guys are clearly ignoring my emails and when I call you say we will look into it. How do you go from XXXX balance agreed amd changed on my report XXXX XXXX XXXX to now I owe again to not even giving me the information I asked for to make it legal for you to report? Pull the calls!! XXXX  if you have to take me to court to get it done. Remove this XXXX OFF XXXX!! Not even XXXX is replying to me and I even showed proof nobody replies to my emails since XXXX or XXXX even!

Company response to consumer: Closed with explanation