vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do have a XXXX XXXX XXXX XXXXXXXX with limit of {$10000.00} since XXXX XXXX at XXXXXXXX XXXX received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX to XXXXXXXX XXXX. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do have a XXXX XXXX XXXX XXXXXXXX with limit of {$10000.00} since XXXX XXXX at XXXX XXXX received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXXXXXX XXXX  to XXXX EST. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since XXXX XXXX at XXXXXXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXXXXXX XXXX  to XXXX EST. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.

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 2024-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
This account is not mine. I've contacted XXXX XXXX  and they do not have any accounts the Belong or belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX {$2100.00} XX/XX/2024

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 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a victim of bank fraud and I can not get any help from Regions Bank where I have been a member for 40 years or more ( through many name changes with the bank... XXXX, etc, ). 


On XX/XX/year>, my partner, XXXX XXXX, had a XXXX  XXXX and almost died twice. I spent the next nine weeks with him in XXXX XXXX XXXX XXXX from early morning to late night. He came home on XX/XX/XXXX. Sometime during XXXX someone evidently contacted Regions Bank and convinced them to send them a debit card to my account. NO ONE from Regions Bank contacted me at anytime to question this request. Then, whomever got the card, went to an XXXX XXXX XXXX in XXXX, PA and withdrew ALL OF THE FUNDS in my checking account. I did not realize this until my automatic payments to various utilities and businesses began to bounce. 


I immediately contacted Regions Bank and told them that this was in error. They have conducted investigations and say that I authorized this transaction. That is a lie. 


The people at the bank have told me that they sent this card to someone in Pennsylvania but will not tell me who nor the address that it was sent. They gave them a bank card WITHOUT cancelling my debit card. This, in itself, makes no sense. 


I am at a loss as what to do. The funds stolen were {$4900.00} and went to XXXX. When I XXXX XXXX it comes up as XXXX. 


At NO TIME have I authorized ANYONE to get a bank card on my account. I need help since the bank is not helping me. Please help me get this money back or let me know who I need to contact in order to get it back. I have a Police Report that I filed with XXXX and the report that I filed with the Federal Trade Commission . 

I have also filed a complaint with the Tennessee Secretary of State XXXX XXXX ; my US Representative XXXX XXXX ; the Commissioner of Banking and Finances for the state of Tennessee XXXX XXXX and the Federal Trade Commission. I am at a loss as to what else I can do. This is a travesty. I am XXXX XXXX XXXX and can not afford to lose money this way. I trusted Regions Bank for decades and now they are letting me downstealing from meat my most vulnerable time of my life. 

Sincerely, XXXX XXXX XXXX Phone 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 monetary relief
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 39 personal information and 12 hard inquiries that dont belong to me and Ive requested validation and verification and they have been ignoring me for 3 months with no response This company keeps allowing creditors to report unauthorized and unverified accounts to my credit report they're also continuing to report an account thats been written off as a tax write off which then its become income and income can not be reported on my credit report as its against the law. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They are continuing to bring my credit down and using different names to the same company. They are not assisting me as they are stating they have to report these accounts even if theyre not supposed to cause the creditor reported to them and theyre telling me I have to contact them to get it removed but Ive already stated this creditor ignores and hangs up on me everytime I attempt to contact them and address this issue please assist me in any way I can.

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 2024-07-01 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: NJ

Complaint narrative:
upon me viewing my credit reports i notice mutliple accounts that were not mine

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 2024-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
My name is XXXX XXXX ( account number XXXX ) and I have a federal student loan with MOHELA.My balance on loan keeps increasing daily by couple of dollars .As of XX/XX/year>, the balance was XXXX .Yesterday on XXXX XXXX the balance was XXXX XXXX .On Saturday XX/XX/XXXX the balance was XXXX is it possible that my balance keeps increasing on daily basis by couple of dollar? It is impossible to keep up with it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to inform you about an ongoing issue I have been facing with Equifax, specifically their refusal over the past six months to remove an unauthorized inquiry from my credit report. Despite numerous attempts via phone to rectify this situation, Equifax has persistently maintained their stance, displaying a dismissive attitude and failing to comply with my request to remove this inquiry. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I want to emphasize that I did not authorize these inquiries and firmly believe they were made in error or without my knowledge or consent. On XX/XX/XXXX, I sent Equifax a detailed letter requesting the friendly removal of this inquiry. I enclosed with that letter a package sent via USPS, which included a copy of my identity theft report, a copy of my social security card, and a copy of my identification. 

Furthermore, I wish to assert my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am not obligated to provide an FTC report or a police report to dispute inaccuracies on my credit report. The law mandates that credit reporting agencies conduct a reasonable investigation upon receiving a dispute from a consumer, without imposing undue burdens on the consumer. Requiring additional reports from me, such as an FTC report or a police report, as a prerequisite for investigating my dispute, is not only unnecessary but also places an undue burden on me as a consumer. 

I have reported the identity theft to the Federal Trade Commission ( FTC ), and the reference number for my report is XXXX. 

Should Equifax persist in refusing to remove this incorrect information from my report, I will be compelled to hire legal representation and pursue legal action against Equifax to ensure my rights under the FCRA are upheld. 

I trust that the Consumer Financial Protection Bureau will ensure Equifax strictly adheres to the guidelines set forth in the FCRA and conducts a thorough investigation into the unauthorized inquiries without requiring any additional documentation from my end. Failure to comply with these legal obligations may necessitate further action on my part to ensure my rights under the FCRA are fully protected and respected. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I opened my bank account in XX/XX/XXXX. Unfortunately, my card was stolen in XXXX, and unauthorized transactions began appearing on my account in early XXXX. I noticed these suspicious charges immediately. 

On XX/XX/XXXX, I realized that my online banking account had been compromised, prompting the bank to shut down the account and issue me a new one. In response to the fraudulent activity, I filed a fraud claim on XX/XX/XXXX, for approximately {$3300.00}. 

However, on XX/XX/XXXX, the bank denied my fraud claim, citing reasons related to my transaction history, location, and spending patterns. This decision was surprising and frustrating, particularly because I do not reside in XXXX, where the unauthorized transactions originated ; I live in XXXX. 

To further complicate matters, XXXX days after the denial of my fraud claim, the bank closed all of my accounts. Additionally, there were {$23000.00} worth of deposits into the compromised account, and my year-to-date spending was {$13000.00}. 

This series of events has caused significant inconvenience and financial disruption, and I am seeking further assistance to resolve these issues.

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 2024-07-01 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: SC

Complaint narrative:
15 USC 1681C-2 states except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please honor my request and remove these accounts from my credit report 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 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I received a notification saying that my information was stolen from a recent breach from dave banking and no further information was given. my funds were not returned and in order for me to continue to use the bank I would have to pay the fees bank which I had done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why must I suffer as a consumer just because your company chose to ignore and neglect all my concerns about these unverified accounts. Not only is it detrimental on my mental health, but also a violation of my rights as a consumer.

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