vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/2024, I applied for business loan with U.S. Bank. After application, I was notified that my application was being reviewed and there was a hard pull from USBANK on my XXXX credit report. 

In about 20 minute I received another notice again from U.S. Bank that my application was being review and then another hard pull from USBANK on my XXXX report. 

I called the bank the following day to follow up on my application and was told it was denied by an automated system and now being reviewed by a U.S. Bank personnel. I then ask why there was 2 applications when I only submitted one application. The representative advised she would have to confirm that with her manager/supervisor and reach back to me. 

She later called within the day and advised I could go ahead and dispute the hard pull. 

I visited my XXXX account and submitted a dispute for the second pull to be removed on XX/XX/2024 and labeled it as " unauthorized pull from lender ''. 

Today XX/XX/2024, XXXX completed dispute with below response " >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2024 XXXX USBANK99 XXXX '' At this point this matter as moved from unauthorized to fraudulent. I don't see a reason why I would apply for the same product twice while the first is still currently under review. 

U.S. Bank and XXXX should not make excuses for their inadequate systems and take responsibilities for it. 

On XX/XX/2024, I had to file a complaint via the CFPB ( XXXX ) regarding an online application form that clearly stated I can input my ITIN and when I later called in, I was told they only accept SSN so I'm not surprised if there is a glitch and inconsistencies in their system that authorized another pull for a single application.

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 2024-08-01 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
the following accounts and inquires aren't related to my profile no knowledge nor do I consent to have this information on my credit file please remove immediately, REMOVE ALL NEGATIVE ITEMS Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) XXXX XXXX Balance {$23000.00} Balance updated XXXX XXXX, XXXX XXXX Balance {$4100.00} Balance updated XXXX XXXX, XXXX XXXX  Balance {$0.00} Balance updated XXXX XXXX, XXXX XXXX closed account Installment accounts Total balance : {$51000.00} XXXX XXXX Balance {$51000.00} Balance updated XXXX XXXX, XXXX These lenders have accessed your credit file : XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Complaint against Servicer Wells Fargo for illegal use of unregulated artificial intelligence and false and deceptive statement to the Government Agency. 

On XX/XX/XXXX Wells Fargo sent AI-generated response from XXXX XXXX XXXX who lacks any contact information and made following false statements- property XXXX XXXX XXXX XXXX , XXXX IL XXXX was purportedly most recently referred to foreclosure on XX/XX/XXXX which is a LIE. Here was never any foreclosures on XX/XX/XXXX. This foreclosure was filed on different date, different year by XXXX XXXX XXXX ( " XXXX '' ) XXXX XXXX who failed to disclose who hired them. Wells Fargo was not present or disclosed in this foreclosure in any capacity. 

Please send me all documents related to foreclosure filed on XX/XX/XXXX. 

Please send me copies of any and all financial statements evidencing ownership of the account receivable which was supposedly due from me and which was allegedly satisfied after the sale of my property. 

Can you please clarify the information upon which you rely as to business records for the foundation of the claim you are presenting and identify the intended party for the distribution of funds after the subject property was liquidated ( sold to a third party bona fide purchaser for value ) on Sheriffs Sale on XX/XX/XXXX and sale to XXXX XXXX on XX/XX/XXXX? 

Please identify the person, company, or business organization ( s ) that performed functions relating to the receipt, collection, processing, accounting, or disbursement of funds due to a creditor received from me and the person, company, or business organization ( s ) that received any money from the forced sale of the property in XXXX. 

I also see that there are references to the promissory note but no references to the unpaid receivable account on the ledger of any putative creditor. Such an account is neither asserted or implied. Can you please clarify whether you represent the party who owns that unpaid receivable account due from me? This is also necessary to assess the putative servicers authority and the attorneys authority to proceed.

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 2024-08-01 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: NJ

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XX/XX/2023

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 2024-08-01 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: FL

Complaint narrative:
I recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. A complaint was initially filed and all these removed and they reappeared again. I called the XXXX customer to report the annomalies and I was told there were no hard inquiries on my account. Fast forward a few weeks later they appeared on my account again. These includes XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, Florida 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 ( Miscellaneous ) and XXXX XXXX XXXX Finance ). I would like to have these removed and the error fixed right away.

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 2024-08-01 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-01 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-08-01 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-01 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: AZ

Complaint narrative:
I requested accounts to be verified and validated, report had many ND ( NO DATA ) sections, shows dates that contradicted other data. I disputed : XXXX XXXX XXXX XXXX XXXX Account : Inaccurate Balance : The balance reported is {$2800.00}, which does not match my records. Please verify the accuracy of this balance with supporting documentation from XXXX XXXX XXXX XXXX XXXX. 
Incorrect Status Update : The status was last updated in XXXX XXXX However, the payment history shows continued reporting of derogatory marks beyond this date, which is contradictory. 
Lack of Verification : As required by the FCRA, you must verify the accuracy of this informationfurnisher of the information. If the information can not be verified, it must be deleted from my credit report. 

EXPERIAN completed the dispute one day later stating all was verified and no changes were made

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 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I tried to order an XXXX with my Cashapp account, only to be declined 4 times in a row before realizing my card was for some reason suddenly deactivated. I attempted to reactivate the account, just for it not to work. They told me to put in my CVV ( which I did and I did it correct ) and it didnt work. From this point forward, all cashapp was doing for me was telling me they deactivated my card and wouldnt tell me why. When I attempted to order a new Cashapp card, I had complications with that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2024-08-01 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing this letter to get reassurance on an ongoing investigation. I have disputed an account that was charged off 2 times already. The first dispute was on XX/XX/XXXX of 2024. There was inaccurate information on my account that showed 2 charge offs in 2 different dates and then after the dispute the credit bureau modified it and stated it was updated. They did not remove it due to inaccurate information. The second dispute on the same account was on XX/XX/XXXX of 2024. I was able to provide a payoff letter from the 3rd party collection agency " XX/XX/XXXX '' I sent the payoff letter that stated I had no obligation of the account as part of the 2nd dispute, but was not approved for deletion and the information was remained as a charge off. They had incorrect information the first dispute and then also showed a payoff letter as proof and did not want to assist by removing the inaccurate information off my report. Please let me know if further is needed in order to have this removed off my account. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I never gave these people my debit card. The debit card that they have is on my XXXX XXXX  I never ever ever ever when I say ever ever gave them that debit card cause I never gave anyone a debit card ever. Its no no I never give them that debit card so the fact that they somehow got it makes me feel like theyre scamming through my XXXX XXXX because what the freak and I never asked them to give me a membership. I never would want a {$25.00} membership and charge me {$26.00} Cause that did the XXXX they charge you XXXX something on it which is freaking illegal and these people if they do not fix this and never do this again will be sued and they need soon because I didnt remember and I think I know I wake up and {$26.00} out of my debit card That XXXX XXXX  so they got my card and Im at the police charges on them because I never gave them my card and Im so unsecure right now cause I dont know how this company can get somebodys card that was never entered on their site. I never even asked for membership never click anything. I looked at my my credit report lately to see what it was thats it and wan na ask me do I wan na remember I clearly no I do not but the before experience and they do this. This is what they do. They steal peoples money. They never gave them my card that XXXX them stealing jail.

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 2024-08-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2024-08-01 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation