vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX Im a citazens account holder I deposited a check in to my account back XX/XX/ and for some reason that my bank has put a hold on my money and has refused to give me my money the hold was ment to expire XX/XX/ and I still havent received my money the bank has now extended the hold again till XXXX next year no body has helped me Im getting very annoyed and dont like the way I have been treated if some body could help me with this situation I would be very great full thank you my phone number is XXXX if someone call me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

Accounts : XXXX XXXX ( Reporting to all 3 credit bureaus ) XXXX XXXXXXXX XXXX XXXX ( Reporting to all 3 credit bureaus ) XXXX XXXX XXXX XXXX ( Reporting to XXXX and Experian ) XXXX Inquiries Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27 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: GA

Complaint narrative:
XXXX XXXX XXXX account number XXXX is on my account because of fraud, it needs to be removed. I have contacted the credit bureau multiple times about this 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 explanation
Consumer complaint received 2023-10-27 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 looked at my credit reports and upon reviewing them I noticed negative 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 non-monetary relief
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
I looked at my credit reports and upon reviewing them I noticed negative information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: SC

Complaint narrative:
XXXX XXXX  OWNER OF XXXX XXXX SENT A LETTER TO MY HOME, SHOWING ME I DO NO HAVE NOTHING TO DO WITH THEM. 

A CREDIT CARD WAS OPEN UNDER MY SOCIAL SECURITY NUMBER AND NAME MY ADDRESS DOES NOT MATCH, MY PHONE NUMBER DOES NOT MATCH, MY CHECKING ACCOUNT WAS USED WITHOUT MY ACKNOWLEDGEMENT FOR CHARGES GIVEN TO THIS COMPANY AND MY CHECKING ACCOUNT BANK HAS RECIEVED THE FRAUD DISPUTES FOR CHARGES OF XXXX DOLLARS, XXXX, AND ALL OTHER DEBITS TAKEN OUT OF MY BANK ACCOUNT. 

I DO NOT OWN A PHONE NUMBER XXXX XXXX XXXX I DO NOT LIFE AT SOME ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  OWES ME FOR DAMAGES, REPORT THEM XXXX THE FTC FOR RACISM AND FOR CHARGING ME FRAUDULANT ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am trying to speak with someone at Mohela to discuss my payments. They are not able to be reached. You are placed on hold indefinitely when calling customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-27 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: PR

Complaint narrative:
None of these questions are mine, please delete them. 

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

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 2023-10-27 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: PR

Complaint narrative:
None of these questions are mine, please delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THIS ADDRESS XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My purpose in writing is to let you know that I have seen various misleading and incorrect details on my credit report and I want these accounts to be removed immediately. I have already stated my concerns to my letters and kindly send my them to TransUnion, XXXX and XXXX for further investigations on those accounts which they've furnished on 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 non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My purpose in writing is to let you know that I have seen various misleading and incorrect details on my credit report and I want these accounts to be removed immediately. I have already stated my concerns to my letters and kindly send my them to XXXX, XXXX and Equifax for further investigations on those accounts which they've furnished on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: LEXISNEXIS
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am writing to seek clarification and verification regarding the reported late payment associated with my CREDITACPT account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made 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 monetary relief
Consumer complaint received 2023-10-27 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:
XXXX XXXX XXXX account number XXXX is on my account because of fraud, it needs to be removed. I have contacted the credit bureau multiple times about this 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 2023-10-27 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: GA

Complaint narrative:
XXXX XXXX XXXX account number XXXX is on my account because of fraud, it needs to be removed. I have contacted the credit bureau multiple times about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
They suspended my account because I was receiving chime to chime payments and adding money from my XXXX They said it goes against their policy. This happened XXXX XXXX XXXX. I asked to get my money thats on my account and they refused. I was asked to send documents for no reason about my own account. Chime refused to give me my funds and still suspended my account for no reason at all. Transferring money should not go against any policy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am writing to file a formal complaint against US Bank with the Consumer Financial Protection Bureau ( CFPB ) regarding their denial of my dispute on my debit card transaction and the subsequent closure of my account. The disputed charges were related to the presence of roaches in my weekly hotel room at XXXX XXXX. Despite providing evidence and documentation from XXXX XXXX confirming that they had sprayed for roaches during my stay, my dispute was unjustifiably denied by US Bank. 
On [ Date ], I filed a dispute with US Bank regarding unauthorized charges on my debit card for my stay at XXXX XXXX. In my initial dispute, I specifically mentioned the issue of roaches infesting my hotel room and emphasized the inconvenience and health risk it posed. However, to my astonishment, US Bank denied my dispute without any reasonable explanation. Furthermore, in response to my dispute, XXXX XXXX provided documentation confirming that they had indeed sprayed for roaches during my stay. 
They admitted that some roaches may have attempted to seek refuge in my belongings as a result of the extermination process. Additionally, when I requested a refund from XXXX XXXX due to their failure to address the roach infestation in a timely manner, they agreed to provide a refund. 
To my utter perplexity, US Bank not only denied my dispute but also proceeded to close my account. Furthermore, they are now recharging me for the charges from XXXX XXXX that had previously been disputed. This unjust action by US Bank is in direct contradiction to the evidence I have provided, demonstrating that XXXX XXXX acknowledged the presence of roaches and offered a refund. 
I request that the CFPB thoroughly investigate this matter and compel US Bank to rectify their erroneous denial of my dispute, reinstate my account, and cease any attempts to charge me for the disputed transactions. I also urge the CFPB to take appropriate action against US Bank for their unjust treatment and disregard for consumer protection. 
Please find enclosed

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 2023-10-27 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: PR

Complaint narrative:
None of these questions are mine, please delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THIS ADDRESS XXXX 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 2023-10-27 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: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my 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 non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Urgent Complaint Under the Fair Credit Reporting Act ( FCRA ) - Request for Immediate Removal of Inaccurate and Unverifiable Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. TransUnion has been reporting inaccurate and unverifiable information on my credit report, which has caused me significant harm. 

I have obtained a letter from the court, which clearly states that they do not report information to credit bureaus. Additionally, I have a letter from XXXX XXXX indicating that an opt-out and freeze has been placed on my file. Despite these documents, TransUnion continues to report the inaccurate information. 

This letter serves as a cease and desist notice, demanding that TransUnion immediately stop reporting the inaccurate information and provide proof of verification for the information they are reporting, including actual documents and wet signatures. I am providing TransUnion with 15 days to remove this information from my credit report, failing which, I will explore legal options and consider filing a lawsuit for the damages caused by this inaccurate reporting. 

Moreover, on XX/XX/XXXX, I received a report from TransUnion stating that the bankruptcy on my credit report was verified. However, they failed to provide any additional information or documentation to substantiate this claim. After filing complaint number XXXX  TransUnion again sent a generic response, stating that the bankruptcy was verified, without providing details on who is verifying this information or how it was verified. 

This lack of transparency and failure to provide proper verification is a direct violation of my rights under the FCRA and 15 U.S.C. 1681. I demand that TransUnion immediately rectifies this situation by providing the required verification with actual documentation and a listed verified source. Failure to do so will result in further action on my part to ensure my rights are protected.

I have Attached letter I sent to Courts Letter Courts replied to explaining they do not report XXXX XXXX XXXX and Opt Out XX/XX/ Transunion Advising they have Verified Bankruptcy but no information on who are How they verified they 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 non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: OR

Complaint narrative:
I opened a checking and savings account at US Bank and during the process I was asked if I wanted a credit card, I stated NO. About 10 days later I get a letter stating my credit card request was not approved due to lacking a identifiable signature. I called the number listed for the fraud dept and went through their questioning then asked for the submitted information and they refused unless I sent them a notarized letter requesting same or go to my local law enforcement and have them fax the request on dept letterhead. They never once mentioned going to the local branch.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In the picture attached you will see that they are telling me that my scores arr out of date but still give me the bogus scores and the kicker is they will adjust my scores to the right ones if I pay them XXXX this is extortion

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 2023-10-27 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief