vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
In accordance whith the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The financial institutions have violated my right under the following sections of the fair Credit Reporting Act : 15 U.S.C 1681 SECTION 602A. State I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2. It also states a consumer reporting agency can not furnish an account without my written instructions Thank you for your attention to 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 2024-12-05 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: TX

Complaint narrative:
In accordance whith the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The financial institutions have violated my right under the following sections of the fair Credit Reporting Act : 15 U.S.C 1681 SECTION 602A. State I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2. It also states a consumer reporting agency can not furnish an account without my written instructions Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Someone cloned my credit card from The home depot, increased my limits, and made purchases, The home depot charged me {$1600.00} on XX/XX/year>, as payment for the fraudulent transactions without my authorization, charging me for purchase I did not do. I informed them I made a claim, but they never got back to me, because also the criminal changed my mail address, when I called them I let them know that I never move from my original address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Now I have a debit {$9000.00} in the present date, impacting my credit score.

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 2024-12-04 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: MD

Complaint narrative:
Hi TransUnion, I just check my credit report and I found those 8 fraud inquiries that shall delete from my credit report. I am aware that, as per ( 15 U.S.C. Sec. 1681 i ( A ), you are required to complete this investigation or delete those fraud inquiries within 30 days of receiving this letter. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this formal complaint regarding XXXX XXXX XXXX and its inaccurate reporting on my credit file. Specifically, I have noticed an alleged debt on my credit report that I do not recognize, and despite my attempts to resolve this matter, XXXX XXXX XXXX has failed to provide sufficient documentation or validation for this account. The continued reporting of this unverified debt is causing significant harm to my creditworthiness.

Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request the verification of any information on my credit report. It is the responsibility of the credit reporting agency and debt collectors like XXXX XXXX XXXX to ensure the accuracy and validity of the information they report. XXXX XXXX XXXX has failed to provide clear documentation proving the legitimacy of this alleged debt, and as such, it continues to be reported without proper verification. 

Additionally, under FCRA Section 1681e ( b ), all consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in consumer credit reports. The failure to verify the accuracy of this debt and the continued reporting of the account without adequate validation is a direct violation of my consumer rights under this statute.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide verification of the debt upon request. I have requested validation of the alleged debt from XXXX XXXX XXXX but have not received any documentation that proves the debts validity or its association with my financial history. This lack of response and failure to provide verification violates the FDCPAs requirements for debt validation. 

As a result, the continued reporting of this unverified debt is a violation of my rights under both the FCRA and the FDCPA. The unsubstantiated debt is causing harm to my credit profile, and I request immediate action to resolve this matter. 

Resolution Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue thoroughly. Specifically, I seek the immediate removal of the disputed account from my credit report across all credit reporting agencies ( XXXX, XXXX, and Equifax ) unless XXXX XXXX XXXX can provide valid documentation that properly verifies the debt. Additionally, I request that all collection activities related to this account cease until proper validation is provided in compliance with the law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue and ensuring that my credit report is accurate and compliant with all relevant consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
pentagon federal credit union attempted to collect a debt related a Contract that is canceled, unverifiable and or has been paid by insurance.

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 2024-12-04 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States 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 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 2024-12-04 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I disputed the inaccurate account and expected for the account to be removed however nothing has changed so far. This company is reporting fraudulent inaccurate information without permission from me to put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
XXXX XXXX XXXX XXXX for {$620.00} Ive asked for information and they got me confused with someone else. 
I dont recognize the account and the report on my credit has prevent me receiving credit from potential creditors Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
Today XXXX I attempted to cash a check. Chime told me it would not all transfer today so I cancelled and tried again or so I thought. It said it was pending so I called to cancel and the agent told me that the entire check would be posted to my account. Only XXXX posted to my account today and i was told I would need to wait 6 days for the rest of my paycheck. They told me they are unable to cancel it at this point, but I would've cancelled it prior to depositing had they not told me it would all deposit today. I need to pay my rent and now I will be 5 days late due to Chime. This will affect my housing record and that is unfair to me as I have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending disputes and they are sending stall letters.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In my American Express National Bank Checking account, same amount was debited twice from bank account. One transaction being the check that was issued by me ( Date : XX/XX/year>, Amount : XXXX, Reference Number : XXXX ). Other being a transaction that was manually initiated by American Express National Bank ( Date : XX/XX/year>, Amount : XXXX, Reference Number : XXXX ). American Express National Bank was able to give any reason for second debit, is giving a response that its a proprietary bank process. 

My speculation being a check fraud has occurred and American Express National Bank decided to penalize me without any intimation and investigation, instead of penalizing fraudsters. 

How can a bank be trusted if bank is not able to disclose reason for the debit and when it is able to authorize a debit from my account without my authorization. Please investigate this banking process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
Upon checking my credit report, I noticed multiple errors indicating late payments. This does not accurately represent my payment history. Please address these issues and ensure my account is updated.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
At the direction of my attorney, I tried to close my bank account ( checking XXXX ) on XX/XX/year> at the Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I met with three different employees one of which was the branch manager XXXX XXXX XXXX XXXX XXXX refused to close my account even though I brought in my notice of bankruptcy with the US Bankruptcy Court. XXXX XXXX mentioned that I should bring in an order but reiterated that even with the order he would not close my bank account at my request When I asked my attorney about the order his response was No, there is no " order '' that applies to them. via an email

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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im a victim of identity theft reported this to the company upon their investigation the company stated the account belong to me me due to payment made this is not a valid investigation I stated to the company that they were several accounts opened with payments made also tax returns filed and unemployment collected over a year asked the company for a valid contract with my signature they stated that they dont have it this is clearly a violation of my Civil Rights and violation of Credit Rights

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 2024-12-04 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXXXXXX 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 2024-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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