vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: KY

Complaint narrative:
according to the FCRA this creditor has violated my rights under the 15 USC 1681 sec.602 c ( 2 ) states that i have the right to privacy. 15 USC 1681 sec 604 a ( 2 ) states that a consumer reporting agency can not furnish as account without my written instructions also 15USC 1666 ( b ) a creditor may not treat an open credit card account plan as a late payment for any purposes.

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 2024-12-01 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: KY

Complaint narrative:
according to the FCRA this creditor has violated my rights under the 15 USC 1681 sec.602 c ( 2 ) states that i have the right to privacy. 15 USC 1681 sec 604 a ( 2 ) states that a consumer reporting agency can not furnish as account without my written instructions also 15USC 1666 ( b ) a creditor may not treat an open credit card account plan as a late payment for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: KY

Complaint narrative:
according to the FCRA this creditor has violated my rights under the 15 USC 1681 sec.602 c ( 2 ) states that i have the right to privacy. 15 USC 1681 sec 604 a ( 2 ) states that a consumer reporting agency can not furnish as account without my written instructions also 15USC 1666 ( b ) a creditor may not treat an open credit card account plan as a late payment for any purposes.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to file a formal complaint against US Bank regarding the recent closure of my account and the ongoing investigation they have initiated, which has resulted in my funds being frozen. 

On XX/XX/year> ], I was informed by US Bank that my account was closed due to suspected fraud, and that there is an ongoing investigation. Also that they can close my account for any reason and I can't appeal it so they don't need to explain anything. 
I have been unable to access my funds, which amount to approximately {$750000.00}, all of which are derived from a trust that I inherited. I have provided documentation to US Bank to verify the legitimacy of my funds, but I have not received a satisfactory explanation regarding the closure or the nature of the fraud investigation. 

I believe that I have not engaged in any fraudulent activity, and I am concerned that this situation is unjust and has caused me significant distress, particularly as I currently lack access to essential funds for living expenses. I am in a bind because I put all my money into US Bank instead of diversifying it now that this issue has arrived I can't pay rent my birthday is coming up I can't feed my kids I don't have any other source of funds and it's causing me a lot of problems. 

I respectfully request your assistance in investigating this matter and advocating on my behalf with US Bank. I would appreciate any guidance you can provide on how to resolve this issue and regain access to my funds. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

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 2024-12-01 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: FL

Complaint narrative:
Failed to let me opt out of reporting. I have given both verbal and non verbal, written and un written per the 15 usc 6802. Privacy act of 1974.

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 2024-12-01 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: FL

Complaint narrative:
Failed to let me opt out of reporting. I have given both verbal and non verbal, written and un written per the 15 usc 6802. Privacy act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
Failed to let me opt out of reporting. I have given both verbal and non verbal, written and un written per the 15 usc 6802. Privacy act of 1974.

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 2024-12-01 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: NJ

Complaint narrative:
I am writing to declare that I am a victim of identity theft. A fraudulent account was illegally opened in my name without my knowledge or consent. Specifically, I have no recollection of applying for or authorizing the account with XXXX XXXX, and I am unfamiliar with its origin. This unauthorized activity has caused harm to my credit and financial reputation. 

I have taken immediate action by filing a complaint with the Federal Trade Commission ( FTC ), and I have enclosed my Identity Theft Report as evidence of this crime. Additionally, I have contacted the credit reporting agencies ( CRAs ) to request validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). However, the information I requested has not been provided, which further confirms the lack of legitimacy surrounding this account. 

The fraudulent activity violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information reported to consumer reporting agencies, and the Identity Theft and Assumption Deterrence Act, which makes the unauthorized use of my personal information a federal crime. 

I am requesting the immediate investigation and removal of this account from my records and credit reports to prevent further harm. Identity theft has impacted my ability to secure credit and maintain my financial well-being. I appreciate your prompt attention to this matter and your cooperation in helping me resolve this issue. Please contact me if you require additional documentation or information.\ Please find attached a copy of my id, a copy of my SSC, a copy of my most recent utility bill, a copy of the FTC complaint and a copy of the validation of dept letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
ON XXXX XXXX I sent certified mailed to Chase it was a pre-arbitration letter it is now XXXX XXXX and I have not heard from them 60 days This means my demands should be in effect ASAP Please see attachments of the mailing details

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
I am writing to declare that I am a victim of identity theft. A fraudulent account was illegally opened in my name without my knowledge or consent. Specifically, I have no recollection of applying for or authorizing the account with XXXX XXXX, and I am unfamiliar with its origin. This unauthorized activity has caused harm to my credit and financial reputation. 

I have taken immediate action by filing a complaint with the Federal Trade Commission ( FTC ), and I have enclosed my Identity Theft Report as evidence of this crime. Additionally, I have contacted the credit reporting agencies ( CRAs ) to request validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). However, the information I requested has not been provided, which further confirms the lack of legitimacy surrounding this account. 

The fraudulent activity violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information reported to consumer reporting agencies, and the Identity Theft and Assumption Deterrence Act, which makes the unauthorized use of my personal information a federal crime. 

I am requesting the immediate investigation and removal of this account from my records and credit reports to prevent further harm. Identity theft has impacted my ability to secure credit and maintain my financial well-being. I appreciate your prompt attention to this matter and your cooperation in helping me resolve this issue. Please contact me if you require additional documentation or information. 

Please find attached a copy of my id, a copy of my social security card, a copy of my most recent utility bill, a copy of the FTC complaint, and a copy of the validation of dept letter.

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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In around XX/XX/year>, Midland Credit Management , Inc. ( MCM ) attempted to collect an alleged debt by trying to serve me legal documents at my parents home at XXXX XXXX XXXX, XXXX, TX XXXX. I do not live at this. 

MCMs representatives arrived at my parents residence, alarming my XXXX  parents, who are not connected to this debt. Neighbors also observed MCM representatives waiting in a car outside the property, further escalating the situation and embarrassing my family. 

This attempt to serve legal documents at an address where I do not reside is improper and harassing. Additionally, the involvement of neighbors and the unnecessary stress caused to my family is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits third-party disclosures and harassing or oppressive conduct during debt collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I am unable to access my Equifax credit report, which is crucial to monitor due to my status as a victim of identity theft. On XX/XX/year>, I submitted an FTC Identity Theft Affidavit along with the required supporting documents to Equifax under Complaint Number XXXX. I've attached the same documents in this complaint for verification as well. This submission was to address fraudulent accounts and ensure my credit report accurately reflects the situation. 

Despite providing all necessary documentation, I am unable to verify whether Equifax has appropriately handled my report or taken the necessary steps to update my file. Additionally, I am currently unable to access my credit report, which severely impacts my ability to monitor my credit profile and resolve identity theft-related issues. 

What I Have Done So Far : Submitted an FTC Identity Theft Affidavit and supporting documents to Equifax on XX/XX/year>, under Complaint Number XXXX. 
Attempted to access my consumer report but have been unable to do so. 
Received no communication or confirmation from Equifax regarding the handling of my identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed incorrect and inaccurate personal information causing harm to 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 explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I am a victim of identity theft and have discovered fraudulent accounts and unauthorized inquiries on my credit report that I did not authorize. I have no association with these accounts or transactions. 

Specifically, the following inaccuracies need to be addressed : Fraudulent Account : XXXX XXXX - Account Number : XXXX Unauthorized Inquiries : XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX - Inquiry Date : XX/XX/year> These entries are in violation of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft upon proper documentation. 

I have submitted an identity theft report and affidavit to support this dispute and am requesting immediate removal of the fraudulent account and inquiries 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 2024-12-01 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had wired money, $ XXXX to another bank account. I went to the bank to wire. It went through with no problem. About a week later, I was informed all my accounts were closed and would not have access to my money for XXXX days. I called to find out why and was told I would find out when they send me a check of my money. They sent me an email which said the following : XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX Account account, we found that you have violated the terms of your account per the client manual. 

I reviewed the client manual and couldnt find why. I requested my money be expedited as I have no money to live on or pay bills. They repeated the protocol is XXXX days. I continued to ask why and told they couldnt tell me. I have inquired XXXX separate occasions to the specialist to expedite getting my money. They told me they would send my request. They have my {$150000.00} and refuse to release it before 60 days. How can they keep my money, do ai get interest, will they let me know anything? It is so frustrating and upsetting that I can not get my money. This had been over 30 days and I get no response. The company is Citibank. I have a credit card from them which still works, but They no longer allow my password to allow me to see my purchases or monthly accounting. This is not the first time I was debanked and had my money held hostage. I appreciate any advice on how to get my money back.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently received a copy of my Transunion credit report file # XXXX dated XX/XX/XXXX. 

The account XXXX XXXX XXXX # XXXX contains INACCURATE INFORMATION. I am legally entitled to a 100 % accurate credit report. Please thoroughly investigate this account and make appropriate corrections. Please also provide me with the names, phone numbers, and email addresses of the individuals with whom you contact so I can follow up as well. If you are unable to make the corrections compliant with the FCRA and NJFCRA, you are required by law to delete the account. 

Balance {$15000.00} = INACCURATE Terms {$0.00} per month = INACCURATE Payment History = NEVER 30 DAYS LATE XX/XX/XXXX 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If you are unable to make the corrections compliant with the FCRA and NJFCRA, you are required by law to delete the account from my report pursuant to : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
XX/XX/year> I contacted CashNetUSA about my complaint regarding the annual percentage rate and the bi-weekly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NH

Complaint narrative:
I reviewed my consumer report and noticed that i havenumerous late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ] [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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