vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Subject : Dispute and Request to Update Personal Information Dear : I am writing to dispute and request an update on my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : My current legal name is XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Dispute and Request to Update Personal Information Dear : I am writing to dispute and request an update on my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : My current legal name is XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.

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 2024-10-22 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: TX

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
These accounts keep reporting to my credit report negatively and I need them removed immediately with 15 USC 1681a

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 2024-10-22 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: MI

Complaint narrative:
These accounts keep reporting to my credit report negatively and I need them removed immediately with 15 USC 1681a

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 2024-10-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I purchased a " XXXX XXXX '' at XXXX yesterday and put {$460.00} on it. Both the phone number and website state that the card is active and {$460.00} is the available balance. Ive attempted to pay a bill, get snacks at a gas station ( in person ), and get food at the grocery store but all of my purchases have been declined ( and marked in the transaction history as declined ). There is no means to contact a human customer service representative on the phone number and the only problems I'm allowed to report on the website are " Unauthorized transactions '' or " incorrect balance ''. Selecting either option sends me to a dead end. There is a physical mail address on the website " XXXX '' but I have no hope in pursing that route considering there are many accounts online of the exact same thing happening to other customers. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
had problem with paying by on line! Paid full balance off in person at Wells Fargo XXXX XXXX with a check from credit union. There was daily interest adding to it which was paid by personal check after receiving statement by mail. They hit my credit report up that I was late and dropping it down. So HOW can it be late when paid off by years early? Have all the paper work if needed.

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 2024-10-22 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: TX

Complaint narrative:
In early XX/XX/year>, I discovered two unauthorized credit inquiries on my Equifax credit report. These inquiries were from XXXX XXXX, dated XX/XX/year>, and XXXX, dated XX/XX/year>. I did not authorize these inquiries, and I believe they are a result of identity theft. 

In response to these unauthorized actions, I filed a police report detailing the identity theft incident and promptly contacted Equifax to dispute these inquiries. I have provided all necessary documentation, including a copy of the police report, and requested an investigation into these matters. 

As of now, I am seeking the removal of these unauthorized inquiries from my credit report to correct the damage caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the last XXXX months, I've tried to resolve a fraud issue. As a result of fraud, we had XXXX fraudulent checks cashed, in addition to Citibank mistakenly applying XXXX debits to my account for checks that got deposited. I have made over XXXX dozen calls and branch visits and have opened up XXXX different cases to resolve this, but they try to take care of the problem in the wrong way ( applying a credit that wasn't needed ) or they go ahead and close the case without proper resolution. I have since received credit for the XXXX fraud checks, but I can't get resolution on the the error that the bank did in applying the XXXX debits.

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 2024-10-22 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: MA

Complaint narrative:
I am formally lodging a complaint regarding multiple unauthorized and invalid hard inquiries on my credit report. I have never given these creditors permission to perform a hard pull on my credit file, and you have allowed these inquiries to be conducted without my explicit consent. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MA

Complaint narrative:
I am formally lodging a complaint regarding multiple unauthorized and invalid hard inquiries on my credit report. I have never given these creditors permission to perform a hard pull on my credit file, and you have allowed these inquiries to be conducted without my explicit consent. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citibank checking account in the summer, and attempted to get a money order for my rent ( {$700.00} ) at XXXX in XXXXXXXX XXXX 
I presented my driver 's license, and mobile phone number, and Citibank blocked the transaction. 
This started a long series of calls to the fraud department. They asked for items XXXX, and finally after 6 weeks of this I sent in a notarized deposition with all of personal information. They finally on XX/XX/year> admitted that I am myself. 
I was told that I would get a check for account closure in 30 days. 
They did not provide a tracking number or access to my account. So over 4 months, and I do not know what my balance is. Ludicrous. 
Why would you even block an account for trying to get a money order?

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
refusal to approve credit card application after obtaining steller ratings on XXXX. 
Denial reasons provided are both invalid based on XXXX. report escalated to executive level case # XXXX. 
XXXX  score XXXX XXXX open credit card in 4 years limit XXXX. 
never late. never an interest payment paid. 
never refused credit XXXX XXXX  years. 
no mortgage XXXX annual income no credit problems EVER WHATSOEVER

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
refusal to approve credit card application after obtaining steller ratings on Experian. 
Denial reasons provided are both invalid based on Experian. report escalated to executive level case # XXXX. 
fico score XXXX 1 open credit card in 4 years limit XXXX. 
never late. never an interest payment paid. 
never refused credit 1n 45 years. 
no mortgage XXXX annual income no credit problems EVER WHATSOEVER

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 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
XXXX never let me know the account was sold or anything and was almost 7 years old when they decided to sell it and then the debt collector calls me none stop all week and all weekend, from XXXX to 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 2024-10-22 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I have a checking account with Citizens Bank N.A. which has been dormant since XX/XX/XXXX. ( There was a {$10.00} balance to keep the account open for possible future use. ) Beginning on XX/XX/XXXX and unbeknownst to me, a number of charges from XXXX were presented for payment from my account, in the amounts of {$24.00} ( 2 ), {$29.00}, and {$47.00} ( a total of {$120.00} ), from XXXX for magazine subscriptions I had on auto-renewal. ( All previous payments to XXXX for XXXX were charged to my " default '' funding source on the app ( an account I have with XXXX XXXX XXXXXXXX XXXX ). 

They were ( understandably ) declined by Citizens Bank for insufficient funds, and my account was charged for Returned Item ( {$35.00} each ) and Sustained Overdraft Fees ( {$30.00} each ). The charges were apparently attempted multiple times between XX/XX/XXXX and XX/XX/XXXX, resulting in my incurring {$440.00} in such fees in less than a month. I had no knowledge this was occurring because I haven't used the account in over 2 years. 

I was surprised not to have had any notification from the Citizens Bank Fraud monitoring department for this flurry of activity on a dormant account. 

XXXX was unable to explain why recurring amounts previously charged to my XXXX XXXX account were suddenly being charged to my Citizens Bank account. They said there could have been some issue with XXXX processing ( though NOT for insufficient funds in the XXXX account ) or, more likely, a " security '' issue, which I explained to the Citizens Bank representatives with whom I spoke. 

I called Citizens Bank on XX/XX/XXXX to ask for help in resolving this problem. None of the THREE representatives with whom I spoke - one from Collections, one from Claims, and one from Retail Customer Service - offered any resolution except to remove 2 of the Returned Item charges as a " one-time courtesy '' despite this clearly being a mistake/misunderstanding. I was told there was no further way to " escalate '' my problem or to speak with someone who had more authority than the front-line telephone representatives, so I am filing a complaint through CFBP and, if necessary, I will file additionally with the FDIC and State Attorney General. 

This is unconscionable and predatory customer service, assessing over {$400.00} in 21 days - without notifying me- all because of {$120.00} in charges which I explained were clearly mistaken and which I had no reasonable cause to anticipate. 

I have attached bank statements between XX/XX/XXXX and XX/XX/XXXX showing the {$10.00} balance carried monthly with no activity on the account for these 27 months. In addition, I have included the XX/XX/XXXX statement when the charges starting appearing, as well as " screenshots '' of the recent activity ( i.e. more charges and fees ) from XX/XX/XXXX through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent in letters that they legally didn't respond to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and 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 non-monetary relief
Consumer complaint received 2024-10-22 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: KY

Complaint narrative:
I was looking on my credit report an noticed a lot of hard inquiries from the year of XXXX I have not applied for any new credit since XXXX of 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 2024-10-22 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: KY

Complaint narrative:
I was looking on my credit report an noticed a lot of hard inquiries from the year of XXXX  I have not applied for any new credit since XXXX of 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