vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
Complaint Regarding " Unscorable '' Credit Report Issue with XXXX and TransUnion Date : XX/XX/year>XXXX  To Whom It May Concern, I am filing a formal complaint against both XXXX and TransUnion regarding an issue with my credit reports. My credit reports from these agencies indicate " UNSCORABLE, '' accompanied by the FICO logo. This information is inaccurate and has caused significant challenges for me. 

I currently have multiple credit accounts that have been actively reporting for nearly six months. These accounts should provide sufficient data for generating a valid credit score. Despite this, my reports remain marked as " UNSCORABLE. '' Additionally, I have attempted to reach the customer service departments of both XXXX and TransUnion by phone to resolve this issue, but I have been unable to get through to a representative or receive any assistance. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and direct XXXX and TransUnion to review and correct the issue promptly. Accurate credit reporting is essential to my financial stability and ability to manage my credit responsibly. 

Thank you for your assistance. I have attached supporting documentation for your review.

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 2024-12-12 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-12 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: CA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Transunion for their failure to respond to a dispute letter I mailed on XX/XX/year>. The dispute letter requested an investigation into inaccurate items on my credit report. I sent the letter via USPS certified mail, tracking number XXXX. 

In addition to disputing the inaccurate items, I also challenged the incorrect personal information listed on my credit report. According to USPS tracking, the letter was delivered to Transunion on XX/XX/year>. Despite my detailed and valid request, Transunion has failed to provide any investigation results. More than 30 days have passed since the delivery of my dispute letter, yet I have not received any communication or resolution. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Transunions inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Transunion and the USPS certified mail proof of delivery as evidence to support my claim.

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 2024-12-12 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
I trusted Experian to handle my personal information with care and integrity, but I feel that trust has been violated. Experian claims that an investigation into my disputed information was conducted, yet I was never provided any details about how this investigation was carried out, who was involved, or what methods were used to verify the accuracy of the information. This lack of transparency not only raises serious concerns about the legitimacy of their process but also leaves me questioning whether they adhered to the legal standards required by law. 

Furthermore, I was never asked for or provided explicit consent for my personal data to be shared with third parties like XXXX. Sharing my private information without my clear and informed consent is a violation of my rights, and its both troubling and unacceptable. I deserve an explanation, evidence of proper consent, and assurance that my personal information is being handled lawfully 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 2024-12-12 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: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) charge my credit card {$13000.00}. I purchased XXXX XXXX XXXX ( XXXX ) from Next in XX/XX/XXXX thru XX/XX/XXXX totaling ~ {$5200.00}. The insurance was paid in full in XX/XX/XXXX. After the insurance expired I obtained XXXX insurance from another carrier. Then 14 months later, in XX/XX/XXXX, without authorization, Next charged and additional {$13000.00} for " an incomplete WC audit. '' The transaction was not authorized nor involved a product or services. All requested accounting paperwork to complete the XXXX audit was sent to XXXX XXXX from XX/XX/XXXX thru XX/XX/XXXX, on XXXX separate occasions. I was informed by a representative in XXXX that the XXXX audit was completed in XXXX of XXXX. 

I disputed the unauthorized charge immediately. The dispute went back forth for three months, with US Bank removing the charge twice. Then in XX/XX/XXXX, US Bank sided with XXXX XXXX and reinstated the unauthorized charge. 

US Bank has refused to show any paperwork authorizing this charge. In addition, the reinstated charge went over my credit limit in excess of {$10000.00}. 

US Bank refuses to remove the unauthorize charge.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-12 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding violations by the three major credit reporting agenciesXXXX Experian, and XXXXof federal laws designed to protect consumers, including : 1. 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ) : The credit reporting agencies have failed to ensure the accuracy, fairness, and privacy of my credit information, as required under this law. Specifically : Inaccurate Information : My credit reports contain inaccuracies that persist despite multiple disputes and documentation provided to substantiate my claims. 
Failure to Investigate : The agencies have not fulfilled their statutory obligation to conduct thorough investigations into my disputes within the required time frame. 
Reinsertion of Deleted Information : Information that was previously removed from my credit report after being found inaccurate was subsequently reinserted without proper notification or re-verification, as required by the FCRA.

2. 15 U.S.C. 6805 ( Gramm-Leach-Bliley Act - GLBA ) : The credit reporting agencies have not adhered to their responsibilities under the GLBA, particularly regarding : Safeguarding of Sensitive Information : The agencies have not properly secured my sensitive consumer information, leaving it vulnerable to unauthorized access. 
Breach Notification : I have not received proper notification of potential breaches or unauthorized disclosures of my personal data.

3. 16 C.F.R. Part 313 ( Privacy of Consumer Financial Information ) : There appears to be non-compliance with privacy regulations, including : Unauthorized Sharing of Information : Nonpublic personal information has been shared with third parties without my explicit consent, in direct violation of privacy rules. This is Identity Theft Harm Experienced These violations have caused significant harm to me, including : Denial of Credit : I have been denied financial opportunities due to inaccurate credit information. 
Emotional and Reputational Damage : The ongoing inaccuracies and breaches have caused undue stress and harm to my reputation.

Financial Burden : I have incurred additional costs and time in attempting to resolve these issues.

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 2024-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I received an email from my bank, Bank of America, that my account balance was low. I had over {$2000.00} in my account and I was not expecting any withdrawals or payments to be made. I logged into my mobile banking app and noticed XXXX charges I did not make, totaling XXXX. I immediately contacted Bank of America to report this as fraud. Bank of America locked and cancelled my card and began an investigation. I asked for my money to be returned to me and they said I would have my money back by XX/XX/year>. I told them I have bills to pay, XXXX shopping to do and I would really appreciate it if the money could be placed back into my account but all they said was I would get it back sometime by XX/XX/year>. I also asked why XXXX fraudulent payments ( {$800.00}, {$800.00}, and {$500.00} ) were not stopped or even checked for fraud but Bank of America would not provide me an answer. I want my money back from Bank of America

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 2024-12-12 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Failed to validate the debt despite two previous requests. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-12 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: NC

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 "

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 2024-12-12 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Syncb/ Sams Club DC did a hard inquiry on my credit report. They offered a promotion to see if you qualify for a Sam 's Club credit card. I did not provide my full social security number. This was supposed to be a soft inquiry.

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 2024-12-12 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: NC

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 "

Company response to consumer: Closed with non-monetary relief