vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting a thorough investigation into inaccurate items appearing on my credit report. To facilitate TransUnion 's verification of my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bank statement reflecting my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : - Details on how the disputed item was verified.

- The date when Transunion contacted the creditor and furnisher.

- Contact information for the creditor and furnisher.

- The name of the individual who verified the item.

- The method of communication used to verify the disputed information ( e.g., phone, email, mail ).

- Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process.

Despite my detailed and clear request, I have not received any investigation results from Transunion. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them.

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to Transunion as proof.

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 2025-01-10 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:
Identity theft has XXXX impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AR

Complaint narrative:
There were transactions that showed on my Discover credit card ending XXXX statements starting from XXXX of XX/XX/year> from XXXX XXXX XXXX that I did not purchase and authorize. I am not sure who used my credit card for these transactions. 
During the time these transactions were happening, I was preoccupied with a XXXX XXXX XXXX XXXX XXXX which required my full attention at the XXXX  This unfortunate circumstance led me to overlook the recurring charges, which I had neither authorized nor initiated. 
But I figured out that some fraud was happening with my account by end of XXXX, and I blocked my Discover credit card immediately. The fraud team mentioned that they will inspect and will get back to me. Potentially I got a new account number and got a new card by end of XXXX. But as you can see there were transactions that occurred even after this process ( Note : XXXX XXXX and XXXX ). 
After inspection the Discover team mentioned that these were manual transactions and that they have been recurring transactions and they were authorized even after the blocking the card and that they can not help anything with this fraud claim. 
But when I contacted the company through email, they mentioned that they never had any kind of credit card stored nor they have any kind of recurring transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
These inquiries on my Equifax credit report must be removed. I did not give written consent for them to be reported in my consumer report. XXXX XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
XXXX XXXX  contacted experian, XXXX, and XXXX to delete an account. XXXX, and XXXX deleated immediately. I have repeatedly contacted experian and provided them with the letter from XXXX stating to delete from my report. Experian refuses to help on 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 explanation
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-01-10 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX I noticed fraudulent activity on my checkingaccount at US bank. 
XXXX checks were cashed for a total of {$15000.00} These checks did not have my name, company namenor address and were not signed by me. They appear to be just fake checks that used an old checking account and routing number. 
I informed the bank immediately and they requested I come in for an appointment the following XXXX 
At the appointment the bank rep told me I should just call the bank XXXX fraud number and report it. I asked for asistance with this and we called together with the representative. 
We provided all of the information, copies of checks printed from US Bank online banking and where told claim would be filed. 
At this time they also tried to sell me a fee heavy check protection service that would be added to my account... I declined as I inteneded to close the acount once I could transfer all of my automatic bill payments and deposits to another bank account. 

After XXXX weeks, I called to check status of the claim and was told that no claim had been filed. The person on the phone took no responsibility and blamed me for the error. 

I made another in person appointment with bank XXXX XX/XX/XXXX and went through the entire process again... this time they assured my the claim was filed. I kept copies of all documents. 

XX/XX/XXXX I recieved a letter from the bank stating the claim was on hold and requested that i close the account in question.l I closed the account. This was never requested prior to recieving the letter. 

I feel that the bank has handled this very poorly from the start ... throughout the process the bank has tried to deflect the blame for the fraud toward me and refused to take ownership of the issue. While the checks clearly do not have my name or signature. 

The fact that staff wasted hours and hours of my time and the disruption to my business has never been addressed. 

The paper work the bank provides for filing the claim is long, confusing and arduous with the onous on getting the client to take responsibility, ie.. lay the blame for bank errors on the client. 

While I don't want to cast blame, The constant deflection, errors and non-filing of the claim makes it look like a possible information breach within the bank itself. 
To date no solution has been offered nor interest or loan against the monies lost. It has been XXXX months to date.

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 2025-01-10 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 SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have filed police reports and have contact XXXX SEVERAL times regarding my identity theft issue. They have approved my request, but have yet to remove the accounts from my report and update properly on the XXXX  site. I see they have been removed when I check my XXXX report on other sites, but not on the actual XXXX site which many companies use. I need this corrected immediately as this situation has caused enough trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Identity was stolen by my XXXX XXXX XXXX and alot of accounts the used my dad 's info to open account. My dad and I bought have the same name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, 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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OK

Complaint narrative:
Applied for a Discovery card and was denied sad face as the agent on behalf of the principal, im utilizing the right to contract and the right to credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX charged {$550.00} for a gymnastics class from XXXX XXXX, for my granddaughter that she never took. 
XX/XX/XXXX disputed the charge with Capital One, they initially refunded my money XX/XX/XXXX Capital One denied my claim and took the {$550.00} from my account. 
XX/XX/XXXX text messaged XXXX XXXX the owner of XXXX XXXX ( the gym where the classes are held ) regarding the charge XX/XX/XXXX received text message from XXXX XXXX stating he believed the refund was issued. 
XX/XX/XXXX text messaged XXXX XXXX stating that the refund had not been received. Received a message back from XXXX stating that he was going to call square ( the company that processes his companies ' payments ), he also apologized. 
XX/XX/XXXX received message from XXXX that the refund was taking longer because I had disputed the charge. 
He then stopped replying to my messages. 

XX/XX/XXXX Sent a message to Capital One 's XXXX XXXX XXXX explaining the situation and attached all the correspondence from Capital One and from XXXX XXXX XXXX XXXX 
XX/XX/XXXX received a call from Capital One stating that the matter was being escalated. 

I never heard back from Capital One. 

XX/XX/XXXX I called Capital One and they refuse to refund my money because I did not have paperwork with the company. I NEVER had signed anything with this company, nor had I approved this charge with this company. 

The bottom line is that I was charged {$550.00} ( without my authorization ) for classes that my granddaughter never took.

Company response to consumer: Closed with monetary relief