vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank claims to have sent me information via USPS Ground regarding my Cash+ Visa being forced to change to Altitude Go World Elite XXXX. I have received no information and do not consent to this change. When I called, I spoke with XXXX ( ID XXXX ) who told me my options are either accept the change ( since it has already occurred without my knowledge ) or close the credit card ( which would affect my credit score negatively ). They refuse to send me the information about the change via Registered Mail or email. They did not supply me with information about the change within the 45 days before it occurred as required by law. They refused to verify the address they claimed to have sent the original information regarding the forced change. 

Changing products from XXXX to XXXX renders this credit card useless in my area since none of the retailers I choose to use the card with accept XXXX. 

This forced change has put me in a very precarious financial situation. I do not know if I am being charged annual fees nor do I know the terms of this new card. I have not received the new card in the mail. I've asked them to put a hold on the card so that no purchases can be made since they refused to verify the address they have on file for me ( in the event they send the card to the wrong address ). I have paid any remaining balance on the original card. 

This seems unlawful at best and predatory at worst. Why do I not have the option to close this forced account without it affecting my credit score negatively? Why are they not being held accountable for forcing their customers into these situations without their knowledge or consent?

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX ) ( Account number XXXX ) has violated my rights. 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 that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I have been in contact with PNC retail banking division from XX/XX/202 re : text messages should I have low funds in my business checking account. From XXXX XXXX the bank has been taking overdraft fees from the business checking account without initiating the text messaging alerts. As of XX/XX/, I have been attempting to reach XXXX XXXX re : case number : XXXX. There has been no response. 

I have been severely impacted by the bank 's refusal to provide an email or call. My rent was delayed in XXXX and I had to use my emergency funds to make payments although late. I had to defer payment on the monthly cell phone bill. These on-time payments in a recession are the key for average consumers to be able to make bigger purchases. If I can not get assistance for such a small action, then I am forced with great reluctance to switch banks and move to banks such as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Request for Investigation of Unauthorized Information Being Reported On Credit Profile To whom it may concern, I recently came across my credit report and saw there were errors on my report. I request the deletion of inaccurate information thats not verified thats on my credit report. Which is address XXXX XXXX XXXX, XXXX, NY XXXX & XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The only address that should be listed is XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. Heres a photo ID of where I live for proof

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX of this year i wrote a letter to Equifax to notify the Elaborate mechanism that they are indeed Reporting fraudulent information ( incorrect Address + Incorrect Date of Birth ) & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the information and the account but Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB. 

3 months later & they have failed to Comply with Federal law and me the consumer & is now Reporting the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile. 

Their Negligence to Comply with Federal law has caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Iam writing to dispute the accuracy of the information on my credit report. I recently obtained a copy of my credit report and found that there are several inquiries that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), I am requesting that these unauthorized inquiries be removed from my credit report.

The following inquiries were made without my consent and are therefore in violation of FCRA Section 604 ( b ) ( 2 ) ( C ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would like to inform you that I never gave written consent to any of the furnishers listed above to access my credit report. This is in violation of FCRA Section 604 ( b ) ( 2 ) ( A ) ( i ), which requires furnishers to obtain written consent from the consumer before accessing their credit report. 

I believe that these inquiries were made without my permission due to 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Iam writing to dispute the accuracy of the information on my credit report. I recently obtained a copy of my credit report and found that there are several inquiries that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), I am requesting that these unauthorized inquiries be removed from my credit report.

The following inquiries were made without my consent and are therefore in violation of FCRA Section 604 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would like to inform you that I never gave written consent to any of the furnishers listed above to access my credit report. This is in violation of FCRA Section 604 ( b ) ( 2 ) ( A ) ( i ), which requires furnishers to obtain written consent from the consumer before accessing their credit report. 

I believe that these inquiries were made without my permission due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Processing Services, LLC
State: FL

Complaint narrative:
received fraud collection call voicemail stating the below from phone # XXXX didn't identify who they are, what the debt is or who they were calling for. 


" we are following legal paperwork with your county in your state within the next 24 to 48 hours due to an unresolved charge of that if you want to prevent any legal filings we are offering an economic hardship settlement in the amount of {$280.00} to pay off your account and prevent any legal action from taking place for more detailed information on how to take advantage of the settlement opportunity you can contact our office directly at are code XXXX. 

this person didn't identify who they are, who the company is, what the debit is, or who they were even calling for. as a govt agency it is literally your job to handle the complaints put forth to your office but as past notices have gone unworked by your office I have very little expectation that anything will be done about this complaint! would be nice to see that the money stolen from our pay actually goes to people working will see if you guys can actually do your XXXX jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX  ) ( Account number XXXX ) has violated my rights. 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 that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XXXX XXXX XXXX but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Names : XXXX XXXX, XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Request for Investigation of Unauthorized Information Being Reported On Credit Profile To whom it may concern, I recently came across my credit report and saw there were errors on my report. I request the deletion of inaccurate information thats not verified thats on my credit report. Which is address XXXX XXXX XXXX, XXXX, NY XXXX & XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The only address that should be listed is XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. Heres a photo ID of where I live for proof

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Request for Investigation of Unauthorized Information Being Reported On Credit Profile To whom it may concern, I recently came across my credit report and saw there were errors on my report. I request the deletion of inaccurate information thats not verified thats on my credit report. Which is address XXXX XXXX XXXX, XXXX, NY XXXX & XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The only address that should be listed is XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. Heres a photo ID of where I live for proof

Company response to consumer: Closed with explanation