vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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:
Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, XXXX, and TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information TARGET/TD Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 4. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection TransUnion XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection

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 2024-03-04 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:
Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, Experian, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under XXXX5 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information TARGET/TD Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection

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 2024-03-04 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: GA

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-03-04 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: TN

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-03-04 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: NJ

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: Cascade CISS Holdings, LLC
State: IN

Complaint narrative:
I am writing to complaint to XACTUS about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX  The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: BANKMOBILE TECHNOLOGIES, INC
State: AZ

Complaint narrative:
I filed a fraudulent transactions case # XXXX on XX/XX/XXXX with XXXX XXXX. for a total of XXXX  unauthorized charges and XXXX  incorrectly reversed permanent credits for a total amount of {$780.00}. Rather than combining the transactions into a single written complaint XXXX  made me check a box confirming these charges unauthorized XXXX  individual dispute forms. They required each written form be sent to them individually in a secured message in the mobile app as well. XXXX  disputes were issued provisional credits in the amount of {$160.00}. Without warning they closed my account and mailed me a check # XXXX for {$160.00}. I have been unable to get any check cashing company or financial institution to cash this check for me to date leaving me utterly broke for the rest of XXXX. And because my account was closed so late in the month I have not been able to receive my XXXX XX/XX/XXXX payment and now can not pay my mortgage, utilities, or credit card payments. Additionally, my XXXX is starting to suffer as a result of this company 's inaction except to cause me financial ruin. I need XXXX  to issue credits for tge remaining unauthorized transactions, remove any derogatory reports made regarding this accountfrom the XXXX XXXX XXXX XXXX, and provide me with immediate access to my funds via a non-refillable XXXX so I am able to have immediate, unfettered access to my government payment. XXXX XXXX has further victimized me with these actions rather than make any efforts toward protecting me as their customer from consumer fraud. I want CFPB to look deeper into XXXX XXXXXXXX XXXX inappropriate mishandling of permanent credits issued from online fraudulent transactions that occurred more than XXXX  months ago. I discovered all the credits issued had secretly debited from my account after the XXXX  days deadline without any type of notification of said actions. In fact, everything about XXXX XXXX is wrong. I couldn't cash or negotiate a paper check nor would they verify funds to Three different financial institutions. They refused to proved me a pin number to be used with their virtual debit card this as well.

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 2024-03-04 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am composing this letter to challenge the inclusion of this bankruptcy on my credit report. The dates of filing, reporting, and closure do not match up. This is particularly troubling since I have a court document clearly stating that this bankruptcy should not be reported. Additionally, the involvement of an unauthorized third party further complicates matters.

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
I received my Social Security Income thru Direct Express every XXXX of the month. However, on XX/XX/XXXX XXXX the fund was missing on my Direct express debit card. 
I only showed {$2.00} instead of {$790.00}. 
Funds was missing or stolen. 
Social Security confirmed depositing the fund of {$790.00} on my account. 
I contacted Direct express on XX/XX/year> and was given Case number XXXX I filed a police report on XX/XX/year> and also contacted Direct express requesting probational credit until their investigation is completed but Direct express refused. I have not received progress on my case and I am risking being evicted from my rental place and also need money for my XXXX  not covered by insurance. 
I tried calling multiple times but unable to speak to a person as it always gets transferred to a recording " to call during non-peak hours '' I called XXXX XXXX times at different times but still unable to speak to anyone. Now my husband 's XXXX for XX/XX/year> was also missing and will file another complaint as no one answers our call no matter how many times we tried contacting them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received a hard inquiry on my credit report dated XX/XX/year> for a home depot loan which I personally was not the one who applied for that loan. I wish to have that removed 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 explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-04 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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