vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to dispute an unauthorized account listed on my credit report. This account, XXXX XXXX ( Account Number  : XXXX ), appears without my consent, and I believe that my personal information has been improperly disclosed to a third party. This unauthorized disclosure of my information is a violation of my rights under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, which require financial institutions to protect customers personal information and restrict unauthorized disclosures to third parties. 

Given that I did not consent to this accounts inclusion on my credit report, I am formally requesting its immediate removal. Please be advised that if my request is not fulfilled within 30 to 45 days, I intend to pursue litigation to seek damages of up to {$1000.00} for each instance of unauthorized disclosure, as permitted by federal law. 

Thank you for your immediate attention to this serious issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
I used my CashApp card to pay for a hotel room deposit on XX/XX/XXXX. The deposit was {$100.00}. I checked out of my hotel room on XX/XX/XXXX and received my hotel folio via email that day. The room charges that I made totaled {$67.00}. In past, I have had my room deposit transactions updated or returned within XXXX hours of checking out. So I contacted CashApp support on XX/XX/XXXX asking if they had any updates about the status of the still pending deposit. CashApp support informed me that if I sent them my hotel folio they could work on updating the status of the transaction to reflect the portion of the deposit I had used. I sent my folio which provided all information that support stated they would need to resolve the issue. Upon sending it, they responded with a regurgitated statement saying that the document needed to have all their required information included. I responded to them saying the folio has all of their required information. I broke it down in text telling them where each item would be found on the folio. They then stated that they would no longer take any questions about my inquiry and I needed to wait 30 days until either the transaction was updated from pending status or the transaction would automatically cancel. I asked for the issue to be escalated to a support supervisor and it was. I was then contacted by a support supervisor. I was told that the hotel had charged my card on XX/XX/XXXX in the amount of {$32.00}. This is the amount that should have been returned to my account as it is the difference between my deposit amount and the room charges I had made. I asked why I did not see a new transaction in that amount and why the amount is exactly what should have been returned to my account. I asked what information was missing from the documentation that they had requested about the transaction. The supervisor refused to answer any of my questions and instead informed me they wouldnt take any further inquiries about this transaction until the 30 day time frame had elapsed. Considering that the hotel had updated CashApp with the transaction amount XXXX hours after check out and I gave CashApp all the information they requested with all of the dollar amounts reflecting, it makes XXXX sense to me why they are withholding my money from me. As a customer, it is even more infuriating to me that they wont even directly answer a question about it. As for the 30 day holding period, its XXXX. This is a debit card transaction not XXXX. They can instantly resolve these issues with a click of a button. The only reason why I think CashApp or XXXX would have a policy like this is to ensure they have enough liquidity to stay functional. Sounds like a failure of a financial product to me. And as the saying goes, if it looks like it and smells like it, it is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am unaware of the date due to this happening over a period of time. I have make calls to customer service a few times crying and this is becoming overwhelming and scarring especially since the economy is so hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
This is a repeat complaint regarding an account on my credit report that remains inaccurately reported. I have submitted multiple disputes, each time providing clear documentation that shows the information is incorrect, yet no corrections have been made, and the same inaccuracies persist. 

Your ongoing failure to address these errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies ensure 100 % accuracy in reported information.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC BANK, I was with them for 8 years. I found that they was charged me high interest And overdraft fees. I Believe i wasn't the only one, they charge overdraft and high interest fees to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-11-11 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent another round of dispute letter XX/XX/year> to send proof of my correct address to XXXX and Equifax with no success. I sent out two separate letters explain the importance of an ACCURATE consumer report. I'm reaching out to agency for support on this ongoing situation. XXXX and Equiax keep sending me back STALL LETTERS instead on correcting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-11-11 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:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-11 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: NE

Complaint narrative:
on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Transunion and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old XXXX XXXX XXXX, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new XXXX XXXXXXXX id and social security card with the name of XXXX along XXXX my XXXX XXXX bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( XXXX ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX XXXX more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my coxs cable bill??? 
Transunion has not responded at all.????? 
XXXX sent a response of who furnished the information and it has not been removed from my credit report they did send a updated report to show who furnished them with this information. 
XXXX XXXX XXXX XXXX a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year>

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 2024-11-11 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: NE

Complaint narrative:
on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old XXXX XXXXXXXX ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new XXXX XXXXXXXX id and social security card with the name of XXXX along XXXX my XXXX  cable bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( XXXX ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports Equifax request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my coxs cable bill??? 
XXXX has not responded at all.????? 
XXXX sent a response of who furnished the information and it has not been removed from my credit report they did send a updated report to show who furnished them with this information. 
XXXX XXXX sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am formally requesting proof and validation of the documentation in question, with all applicable rules, codes, or regulations cited that would mandate the removal of inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( Dispute Accuracy of Information ) and 623 ( Responsibilities of Furnishers of Information ), information providers and credit reporting agencies are required to ensure accuracy and correct or remove incorrect data upon verification of any inaccuracies.

This letter from the courthouse serves as evidence that the information is unvalidated and incorrect. According to FCRA guidelines, inaccurate information must be removed or corrected within 30 days of a verified dispute. Additionally, any state-level data protection or consumer rights laws that uphold the accuracy of reported information should also be adhered to. I urge compliance with these standards to ensure accuracy in this matter and request prompt correction as required by law. You XXXX are breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was most recent charged {$86.00} in overdraft fees. I am enrolled in OOPS which is to prevent the account from overdraft. I was charged an overdraft fee for a transaction that didn't go through not once but 3 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report.

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. I have once again provided the information regarding the account in question : XXXXXXXX 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 XXXXXXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Experian, as proof from the XXXX Federal Trade Commission that the account mentioned above is 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 2024-11-11 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: CA

Complaint narrative:
I checked my credit score and found out that a credit card ending in XXXX was opened without my knowledge. This account is not mine in any way.

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 2024-11-11 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: CA

Complaint narrative:
I checked my credit score and found out that a credit card ending in XXXX was opened without my knowledge. This account is not mine in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I never used this card to purchase anything so I dont know why it says I have a debt of XXXX $ from XXXX and I dont know why Im also underage so its no way because they ask for ssn but I dont know my ssn and Im a teen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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