vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

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

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 2024-12-06 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: FL

Complaint narrative:
Please consider the attached letter as my formal dispute of these accounts under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of my credit report highlighting the disputed accounts, along with any supporting documentation relevant to this matter. These accounts are negatively impacting my credit rating, and I am formally requesting verification of their validity and accuracy as detailed in the attached notice, pursuant to the FCRA, 15 U.S.C. 1681.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THERE ARE STUDENTS  LOAN ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME. I HAVE I HAVE CONTACTED ALL XXXX CREDIT AGENCIES AND HAVE NOT RECEIVED A RESPONSE YET. THE DISPUTE WAS SENT OUT ON 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Some of my problems with this bank are too long to write down. I need to call you or you call me so we can talk on the phone. Earlier this year I filed for chapter XXXX. I reported it to my bank ( Truist ). Money is tight right now for me, this bank new my struggles. On rumerous occasions this bank has charged me over draft fees of {$36.00}, sometimes twice in XXXX week for a XXXX charge plus a {$15.00} over limit fee. This has been going own for a long time. I fill this bank need to pay me back all of my money back. Please help me. PS, with all of what I just wrote. the whole time the bank was stealing my money, every Friday my paycheck was direct deposited into my account. XXXX more thing, today at XXXX I call the bank to close the account. The lady I talked to told me I couldn't close my account because the bank has charged my account a {$3.00} fee for something i've never heard of. so they wont let me close the account. now they are going to charge my account an overdraft fee for something they are doing. again Please help.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-12-06 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:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-12-06 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX Inquiry 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 2024-12-06 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: FL

Complaint narrative:
After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-12-06 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX ordered XXXX jackets from Saks fifth Avenue on XX/XX/XXXX. I returned both. however, I got a credit for only XXXX. I called capital one to dispute this and they along with XXXX XXXX XXXX credited me for XXXX. I paid my final bill due of XXXX for {$12.00} capital one has that changed to XXXX bank and XX/XX/XXXX. I received the bill from XXXX Bank for {$350.00}. I have been disputing this since then they continue to harass me with phone calls letters and refused to refund the charge to 60 days late of which I lost XXXX points. I have this been disputing this for over a year. They are saying they returned the jacket back to me, which is erroneous. 
Case # XXXX XXXX  XXXX Credit {$350.00} Tracking # XXXX XXXX XXXX XX/XX/XXXX capital one removed charge XXXX paid on XXXX card XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
Experian XXXX failed to adhere to my request for federal protections of my consumer rights under XXXX. I am a living woman XXXX XXXX pursuing vindication from labor trafficking protections from creditors for purposes of FCRA section 605C.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint Regarding Unfulfilled Checking Account Bonus Offer I opened a checking account with U.S. Bank on XX/XX/year>. At the time of account opening, the bank clearly advertised a promotional offer of up to {$450.00}, to be disbursed within **seven days** after completing the required steps. 

I completed all the required steps by the last week of XXXX, as confirmed by a U.S. Bank representative during a phone inquiry. Despite this, the promised bonus has not been credited to my account. After previously filing a complaint with CFPB, a representative from U.S. Bank sent a reply with the following information : " Please note that the promotional offer information which you attached to your request for assistance is not the promotional offer for which you applied. '' The response from the U.S. Bank is incorrect. The link through which I applied for the promotional offer is : https : XXXX? XXXX The terms for the bonus offer is clearly stated on the the webpage twice : XXXX ) Frequently Asked Questions : " Your statement will show your checking bonus as an adjusted interest credit within XXXX days after you have completed required activities. Your account must be open and have a positive balance. '' XXXX ) Disclosures : " Your checking bonus ( 'adjusted interest ' ) will be credited to your new checking account within XXXX days following the completion of all the offer requirements. '' The representative also enclosed a PDF file containing a promotional offer with different terms and timelines of bonus dispersement, which was not the offer I applied for. 

The bonus I was supposed to receive has been unfairly delayed for more than a month. I am requesting that U.S. Bank honor its original commitment and immediately credit my account with the promised bonus. 

Thank you for addressing this issue promptly.

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 2024-12-06 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: IN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXXXXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2024-12-06 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: MS

Complaint narrative:
I recently requested and viewed my consumer credit report and disputed an items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission which is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION NPI. XXXX, XXXX, Equifax nor XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants XXXX, XXXX, Equifax or XXXX lawful authority to share my NON-PUBLIC PERSONAL INFORMATION with third party entities. If XXXX, XXXX, Equifax or XXXX can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, XXXX, XXXX, Equifax and XXXX must Delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MS

Complaint narrative:
I recently requested and viewed my consumer credit report and disputed an items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission which is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION XXXX. XXXX, Experian, XXXX nor XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants XXXX, Experian, XXXX or XXXX lawful authority to share my NON-PUBLIC PERSONAL INFORMATION with third party entities. If XXXX, Experian, XXXX or XXXX can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, XXXX, Experian, XXXX and XXXX must Delete account 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Was given a promotion for 15 months. None of my 15 months of statements gave me the expiration date of the promotion. Caught the increase after month XXXX due to autopay going up significantly. Requested interest refunded as unfair, deceptive banking practice. XXXX XXXX said they were aware and were going to have it added in 2025 on their statements. They know it is unfair, deceptive and not fully transparent to customers. I want 2 months interest refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX  DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE Accounts That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The XXXX XXXX. Please help me with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 

THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account XXXX XXXX Date XXXX. 

Under FCRA XXXX XXXX : 15 USC 1681B Permissible Purposes. 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> chime stole my money which was XXXX due to what they deemed to be suspicious activity which makes no sense and is XXXX i sent them all the info requested and still got no helpful response or information which is insane how can a bank operate like this and just keep my money XXXX but they let people scammed them and keep there accounts but hard working Americans facing troubled times get the short end of the stick? I dont agree with that please help me recover my money from chime

Company response to consumer: Closed with explanation