vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: PA

Complaint narrative:
I am a victim of identity theft filling the Data Breach. My personal information had been compromised in this breach. My name is XXXX XXXX XXXX XX/XX/XXXX SS # XXXX. This CFPB complaint has been filed request pursuant to FCRA605 ( 15 USC 1681 c-2 ) that you the Transunion reporting agency, block information appearing in my consumer credit report that it is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate and false information consist of an auto loan account opened at XXXX XXXX XX/XX/XXXX a collection account at XXXX XXXX XXXX opened XX/XX/XXXX. A collection accounts at XXXX XXXX XXXX XX/XX/XXXX a personal account at XXXX XXXX XXXX opened XX/XX/XXXX a personal account at XXXX XXXX  opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX. Inquire : XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached my FTC Identity theft Affidavit. # XXXX, Social Security Card, Current address, Drivers License, Police Report, etc. The aforementioned accounts hosted by you are were a result of identity theft and fraud from your 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 non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
Recently checking my credit report i noticed that ive been a victim of identity theft and found this credit inquiries i have no knowledge of here this is inquiry that i have found XXXX XX/XX/year>, Please remove this fraudulent from my credit report. .i also attached my identity theft report as well.

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 2024-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
An XXXX XXXX XXXX bill that has incorrect charges was added to my credit after several attempts to dispute the bill with the company. In this time my information was a part of the data breach XXXX & XXXX experienced. Due to that fact the information was taken off of my credit once before. Unfortunately due to the breach several companies are still attempting to purchase the debt. I am currently working with an attorney to have this information removed and also be compensated for the data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a inquiries I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX  on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I applied for a US Bank business credit card on XXXX. On XXXX, my application for the US Bank XXXX XXXX XXXX credit card was approved. The card was mailed and arrived a few days later. I was unable to activate this credit card due to a hold US Bank had placed on my account on the same day my application was approved due to fraud concerns. Over the next couple weeks, I went back & forth with US Bank in an attempt to resolve this issue- including visiting a branch manager and having him fax personal verification documents to US Bank XXXX verification team. On XXXX, US Bank shut down all of my open accounts ( checking and credit ) with them due to concerns of fraud. I was upset by this decision and have attempted to reach out to them since with mixed results. While I disagree with their decision to close my accounts for fraud concerns and terminate our relationship, I respect that it is their choice as a private institution. What I do not respect, however, is that US Bank billed me for the annual fee on the XXXX XXXX XXXX credit card. I called in on XXXX to discuss the account closure and was informed that the annual fee on my XXXX XXXX XXXX credit card would not be charged. That information was incorrect and the annual fee had not been removed by XXXX. I called US Bank again and spoke to XXXX who said she would attempt to get the fee removed. As of the filing of this complaint ( XXXX ), the annual fee has not been removed from my outstanding credit card balance, and I sent in a payment because today is the due date. 

In summary : US Bank approved me for a credit card, sent me the card, locked my account so that I could not activate the credit card, charged the annual fee to the card balance, closed my accounts, and did not remove the annual fee from the card they approved me for but never let me activate.

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Company wrote off balance as a tax write off. Has not provided 1099c to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the XXXX data breach, I have noticed accounts or inquiries that are not authorized by me. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Transunion immediately block and delete the following fraudulent accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information is incorrect. 
Employment information incorrect Address incorrect. 
Personal loan on my account that I never requested Name incorrect

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 2024-11-24 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:
Dispute of Inaccurate Information Under FCRA Sections 605B, 623 ( a ) ( 6 ), and 15 U.S.C. 1681c-2 please view attachment for more detail

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They rejected my auto payment from XXXX twice claiming insufficient funds when there is proof that more than enough money was in the account. They have no caused me to be billed a late return payment fee and the loss of being able to use auto pay until XX/XX/year>. They need to be investigated as there has been too many fraudulent incidences with my account with Citibank. I have made several complaints about questionable practices and experiences that Ive endured. This has been going on for 2 years now and now I am starting to believe that this is retaliation. I have literally called them and been logged into my account information and they have lied about my account balances and everything to get away with their shady practices or fees. I just received a bill for my cell phone service that is almost double my normal bill bc they have sent back the payment saying insufficient funds, but my account literally was no where near that.

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 2024-11-24 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I purchased an American Express gift card on XX/XX/year> at XXXX. The amount loaded on the card was {$150.00}. I activated the card and waited several hours before attempting to use it ( as indicated on the Amex phone recording after activation ). The card was declined. I called customer service, could never speak to a person, and followed all suggestions the recording gave. I tried XXXX XXXX XXXX XXXX XXXX, and various other online retailers and it always said the card was declined. I have tried in person at XXXX, XXXX, all for various amounts and every time declined. There's no ability to speak to an actual person and I have tried their website as well. The funds are there when I check the balance, but the card is always declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 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: RI

Complaint narrative:
I looked at my report from XX/XX/year> and noticed are still some things that are incomplete and not accurate. 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. 

I sent a letter asking them to reinvestigate the accounts listed below XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I signed into my XXXX XXXX account on a friends TV, unaware that doing so would give them access to adding themselves to my XXXX XXXX, giving them access to charge items to my Amazon store card. On XX/XX/year> a {$12.00} charge was made, on XX/XX/year> a {$64.00} charge was also made to my Amazon store card. I was unaware of these charges being made and there shortly after, the person that made these charges got incarnated making me unable to gain access to his account to get the information needed to return the items and get my account corrected. I tried in several different occasions to contact Amazon about how he was able to charge and have access to my account, but I am unable to do the same with his to correct my own account. Amazon didn't have any explanation as to why he was able to have access to anything besides my prime account just from me signing into my account on his TV nor how I could gain access to getting the return information to get the items removed from my account. Between XX/XX/year> and now, a {$29.00} late fee along with interest on the original charges have accumulated on my account, more then doubling what my original balance of {$120.00} at the beginning of XX/XX/year>. My Amazon account has been closed and I have been making payments on my account, under the agreement that nothing more would be charged to my account. Yet they are still charging me a late fee every month for not making the full payment, which defeats the purpose of making payments as they get me no closer to paying off the balance. I don't think the charges should of even been able to be made on my account in the first place and Amazon did nothing to help me take care of the problem in the past 6 months. They would tell me to contact the credit card company Synchrony about the charges. When contacting Synchrony, they would tell me to contact Amazon about the charges, resulting in me getting nowhere with resolving the issue and my credit score being drastically declined.

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 2024-11-24 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account Name : XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My personal information is incorrect. 
Employment information incorrect Address incorrect. 
Personal loan on my account that I never requested Name incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have applied for XXXX  XXXX CREDIT CARDS AND THEY KEEP DENYING BASED OFF HARDSHIP THAT I HAD IN THE HISTORY WITH THEM. I ASKED FOR CLARIFICATION ON DENIAL AND THEY KEEP DISREGARDING THE QUESTION. ACCORDING TO THE TRUTH IN LENDING ACT I CANT BE DENIED OFF OF DISCRIMINATION AND CAPITAL ONE HAS DENIED BECAUSE OF THAT. PLUS THEY HAVE TAKEN APPLICATIONS AND TOOK IT TO THE FEDERAL RESERVE WINDOW AND GOTTEN MONEY FROM MY APPLICATION WHICH IS THE COLLATERAL. IF THERE IS A CHANCE OF RECONSIDERATION I WOULD APPRECIATE IT. I GOT A CAR WITH THEM IN XXXX AND I PAID IT OFF XXXX AND I PAID OFF ALMOST {$10000.00} IN A YEAR. I HAD INCOME ISSUES THAT CAUSED ME TO HAVE HABIT WITH PAYMENTS OF MY BILLS. NOW I AM EDCUATED ON CREDIT AND I UTILIZE MY CARD IN A DIFFERENT WAY THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
The balance on the account was a tax write off and it is still reporting on the credit report. I need the 1099C from this company so I can write it off as income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year>2020 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MI

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: MI

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some derogatory and collections that I did not make nor did I approve anyone to pull my credit report

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