vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On pr around XX/XX/XXXX I was scheduled to get a payment from XXXX in the amount of XXXX. The money was loaded onto my XXXX XXXX but they locked my card and I couldn't get it off. I had no idea why and they said they couldn't disclose the reason. I tried to send them proof of my identity but the website they told me to do this at XXXX wasn't working and was down for construction. My rent was due and I had no other money. At the time I was living in an XXXX XXXX XXXX. I was evicted the next day and literally on the streets. This was XXXX years ago and I have yet to get the money. I have made contact with them hundreds of times until XXXX of the supervisers closed my account because she didn't like the way I was talking to her. My card is now expired but when I call U.S. Banks automative card service balance check its still says I have the XXXX XXXX balance. I called them 3 times in XX/XX/XXXX and one time XX/XX/XXXX and still i have not been able to find out anything. On XX/XX/XXXX i sent my XXXX I.D . and other forms of identification to them and they told me its not going to do any good because my accounts closed. They told me they would send the money back to XXXX but XXXX XXXX having any control over the money once they release it to the U.S. Bank I have sent complaints to various agencies to no avail back in 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 2024-05-05 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:
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 






However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-05-05 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: IN

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 






However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good afternoon, I see myself filling another complain with Chase. I disputed the charges on my account made XX/XX/2024. I received a chase fraud notification on my phone but unfortunately I was at work and didnt see it until later on. I am not content with the answer that chase provided me with. I ask for chase to reach out to me regarding this issue. When I realized the charges on my account I immediately called chase and submitted a claim over the phone with a representative not online using their self service as they claim I did. I request a transcript of that call because not once did I state that I had the card in my possession. Two of the reason that chase is giving are based off me having the card in my possession which I didnt not have. I dont understand how my own bank does not trust me and would think I would lie. If this issue can not be resolved I request to close my account as I no longer want to be part of a bank that wont trust me when something so horrible like this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: LEXISNEXIS
State: NV

Complaint narrative:
LexisNexis. XXXX, XXXX and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them.

They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : LexisNexis. XXXX, XXXX and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inconsistencies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : ( XXXX XXXX XXXX Account Number 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 2024-05-05 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:
Recently I looked at a copy of my credit report and noticed several inconsistencies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : ( XXXX XXXX XXXX Account Number XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: MI

Complaint narrative:
THERE IS INFORMATION THAT IS ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. 
I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR IDENTIFICATION TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. 
I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. 
MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL misrepresentation OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. 
THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. I HAVE CONTACTED THE COMPANYY SEVERAL TIMES BETWEEN XX/XX/XXXX UNTIL 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year> an erroneous bankruptcy was filed. Voluntary Bankruptcy Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXX Credit Bureaus. We are informed that the policy of the XXXX Credit Bureaus is to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.

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 2024-05-05 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: IN

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX # XXXX,. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-05 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I am asking you to verify as accurate : 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 2024-05-05 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: IN

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account Name : XXXX Account # XXXX. 
Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX & XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account XXXX : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year> an erroneous bankruptcy was filed. XXXX XXXX Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXXXXXX XXXX XXXX We are informed that the policy of the XXXX XXXX XXXX  is to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2016 an erroneous bankruptcy was filed. XXXX XXXX XXXX - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXX XXXX XXXX We are informed that the policy of the XXXX XXXX XXXX XXXXs to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Truist account ( Account # XXXX ) was hacked on XX/XX/year>. A total of {$5000.00} was taken out overnight starting at XXXX Est. The funds were removed via XXXX, XXXX and Wire transfer. New and unauthorized XXXX and XXXX recipients were added without my verification through XXXX security texts. I received calls from Truist asking me if I was trying to change my password. I responded no, and yet Truist 's security for my online banking portal was bypassed, and my funds were transferred out to unknown entities. 
Truist instructed me to fill out an ACH Reversal form. While the agent tried to lead me through this step, she said it was too late because the account had already been frozen by Truist and that I could not access it on my end. At this time, I am no longer able to see the transaction on my online portal, but I have attached a statement showing the transactions. I was told to wait 90 days to be reimbursed by Truist for the unauthorized ACH payment of {$1800.00} made on XX/XX/year>. On XX/XX/year>, Truist sent correspondence that they were not able to recover the funds. On XX/XX/year>, I called the XXXX XXXX Department ( XXXX ) and spoke to XXXXXXXX XXXX XXXX XXXX XXXX They confirmed that the reason the funds were not reimbursed is because Truist could not verify that the transaction was fraudulent. 
On XX/XX/year>, I followed Truist 's instructions to file a police and FBI report, and I went into a local branch to create a new account and create a new login profile. I waited 90 days for Truist to process my claim and they concluded that they are refusing to reimburse the stolen funds of {$1800.00} taken via XXXX, even though the other unauthorized transactions via XXXX and wire had been verified as fraudulent and refunded immediately. 
I am requesting that Truist reimburse my business checking account for {$1800.00}, as I followed all instructions in a timely manner, and because I immediately verified that the XXXX, wire and ACH transactions were fraudulent.

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 2024-05-05 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:
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 XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account Name : XXXX  Account # XXXX. 
Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX & XXXX XXXX XXXX Account name XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-05-05 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: IN

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account Name : XXXX  Account # XXXX. 
Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX & XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-05 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I am asking you to verify as accurate : 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 2024-05-05 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief