vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: KY

Complaint narrative:
Tried to repay a XXXX dollar loan site wouldnt allow kept rejecting my credentials for login. Receiving voicemails but no mail correspondence cant call the number back that calls regarding loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that when a dealership applies for financing on behalf of a consumer, these inquiries may be viewed differently based on the timing of the applications. Specifically, I would like to clarify whether multiple hard inquiries made within a certain timeframe can be counted as a single inquiry, allowing for a more favorable impact on consumers ' credit scores. I applied with XXXX to finance a car and it was ran through multiple banks for a loan, now it is reflecting as multiple ( 6 ) hard inquiries 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that when a dealership applies for financing on behalf of a consumer, these inquiries may be viewed differently based on the timing of the applications. Specifically, I would like to clarify whether multiple hard inquiries made within a certain timeframe can be counted as a single inquiry, allowing for a more favorable impact on consumers ' credit scores. I applied with XXXX to finance a car and it was ran through multiple banks for a loan, now it is reflecting as multiple ( 6 ) hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Someone stole my social security number and name and used this information to open an account with XXXX XXXX in XXXX. The fraudsters failed to pay the bill, and the company turned it over to a collection agency : LVNV FUNDING LLC. The fraudulent account was reported to XXXX on XX/XX/XXXX. Amount : {$170.00}. 

I have never lived in XXXX. This account should have never been opened in the first place. XXXX  XXXX acted in a reckless and negligent manner by opening an account in my name without verifying the information provided by the criminals. Just XXXX did not even notice that I'm a prior victim of identity theft. 

XXXX refuses to remove the account from my credit report because the collections agency " has verified '' it is accurate. IT'S NOT. IT'S FRAUDULENT. I HAVE NEVER LIVED IN XXXX, BUT XXXX XXXX SINCE XXXX!!! And I've been out of the country for a year now. 

My credit score has decreased as a result of both companies ' negligence. XXXX XXXX should be investigated for failing to follow basic protocols to ensure that no accounts are opened without proper identity verification. 

I demand that XXXX XXXX write off this debt as fraudulent, contact the collection agency so it stops demanding payment from me, have all three bureaus remove this fraudulent charge from my credit report, and immediately close all existing accounts in my name and refrain from opening additional accounts in the future or other remedies will be sought. 

I demand that LVNV Funding immediately stop all collection attempts and communicate with all bureaus to have this fraudulent information removed from my report. Stop opening accounts in my name! I also demand that the utilities company and the collections agency inform me of every single account opened using my information, including but not limited to address of service, dates of service, balance and others. 

ACCOUNT reported to XXXX on XX/XX/XXXX : XXXX I have never heard of these companies prior to receiving an email from XXXX XXXX informing me that this account was added to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am submitting this complaint regarding Chimes recent decision to vlose my Chime Checking Account and XXXX XXXX without providing a valid reason or specific details. Chimes response was as follows : Your account has been closed. If you think this was a mistake, please contact member services at ( XXXX ) XXXX immediately Despite my inquiries, Chime has not provided any specific information or explanation regarding the decision. I am concerned that this lack of transparency may reflect improper handling of my personal information or a potentially erroneous assessment that adversely impacts my ability to maintain an account with Chime. 

Given these circumstances, I kindly request the following : Clarification of the Reason for Closure : I am seeking a more detailed explanation as to why my account was closed. 

Review of Adverse Action Notification Requirements : If Chimes decision was based on information from a consumer reporting agency or another entity, I request that Chime provide an adverse action notice and specify the source of the information used. 

Thank you for your attention to this issue. I look forward to your assistance in obtaining the necessary information and addressing my concerns with Chimes handling of my account application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
XXXX reps advised to do forebearance and deferment repeatedly and did not mention income driven payment plans for years since XXXX. My loans have capitalized to an exorbitant amount of {$XXXX}. If I had been instructed properly, my loans would be forgiven. Also XXXX was not mentioned either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Subject : Request for Fraudulent Account Deletion from Credit Report Dear [ XXXX, XXXX, and TransUnion Representatives ], I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} Hard inquiries - 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 explanation
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Request for Fraudulent Account Deletion from Credit Report Dear [ XXXX, Equifax, and XXXX XXXX ], I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} Hard inquiries - 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-29 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-10-29 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-10-29 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: NC

Complaint narrative:
Please refer to the report and take the necessary action ; the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo keeps denying my card in XXXX. I spend hours on the phone with fraud detection

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX, someone hacked into my CashApp account and stole {$1500.00}. They withdrew {$700.00} from an ATM at XXXX in the afternoon, and then almost an hour later, at XXXX they spent {$820.00} at XXXX. I have no clue how they did this, my card was kept locked and I only have one card. I immediately disputed these transactions with CashApp once I saw the notifications of the charges and they have denied my claims. Thankfully when I saw the charges being made, I immediately withdrew the rest of my money into my other bank account because the thief had the audacity to attempt an {$850.00} charge at XXXX again at XXXX which got declined. Had I not moved the rest of my money they would have gotten that too. Im not sure of what next steps I need to take to pursue this further but {$1500.00} is a lot of money and I need it back. Please note that all of this was happening while my card was locked. I had no clue as to what else I could do to keep them from draining my account, and CashApp has been of no help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: PA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX  On XX/XX/year> a fraudulent cash advance was made at a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX in the amount of {$2900.00} on my XXXX XXXX. I did not make nor did I authorize this charge. I can easily prove that I nor my wife were anywhere near XXXX XXXX XXXX on XX/XX/XXXX, let alone take out a cash advance at a XXXX XXXX XXXX. We both work for the XXXX XXXX XXXX XXXX and can provide clock rings and witness statements for that entire week. I have called XXXX XXXX XXXX  and also sent XXXX certified letters with return receipts that they accepted. I have requested all information regarding their investigation. They have not provided any information and still claim that I am responsible for this fraudulent charge. Interest as accruing as I write this email. 
I can prove we were not in XXXX XXXX  XXXX on this date, XXXX apparently has made no attempt at comparing my or my wife 's signatures with that used by the fraudster, and they certainly haven't compared my previous purchasing patterns with this charge. Also the phone number on my credit card contact information was fraudulently changed to a phone number with a XXXX XXXX XXXXXXXX area code. Once again neither me nor my wife have ever even been to XXXX XXXX  XXXX and we do not use XXXX XXXXXXXX XXXX XXXX XXXX refuses to remove the {$2900.00} charge from my account and also the fees that accompany it. 
Thank you for your help in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief