vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: IL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPLE BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8. I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHTS TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
I have conducted a reasonable investigation and inquiry into this matter, and I have concluded that XXXX XXXX XXXX XXXX have breached the original contract agreement by failing to provide adequate and valuable consideration and full disclosure of the original terms and conditions of the alleged original agreement. 
According to the FCRA 15 USC 1681 SECTION 602 A, 15 USC 1681 section 604 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ). This company is in direct violation of my consumer rights, privacy rights etc. 15 USC 1681 e.

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 2024-11-10 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: CA

Complaint narrative:
I Looked at my report back 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. These accounts XXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX account # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want these XXXX new credit check without my consent i want them remove from my credit report my as my credit has a fraud alert on it and i have received no call to confirm my identity XXXX XXXX XX/XX/year>

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 2024-11-11 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under 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. I have once again provided the information regarding the account in question : XXXX XXXX  XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1900.00} XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$63.00} INQUIRIES 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 - XXXX XXXX  XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Equifax, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: MI

Complaint narrative:
I was given an American Express gift card from my work and I can not use it anywhere. I've tried kiosks, in store, online, etc. Looking online, it appears everyone with American Express gift cards is having the exact same issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 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: IL

Complaint narrative:
paid off/ account should be deleted from credit profile.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was charged over draft fees from my navy federal checking account when I was in the XXXX program and now my accounts are closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I'm enrolled in the XXXX  at navy federal with XXXX checking accounts but continuing to charge me and lock the account even after I paid the amount in full. When I call all they give me is excuses that don't make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
In XXXX of XXXX  I was notified that a XXXX for Navy Federal Credit union had transferred money out of my account when not on a call with me. There was {$11000.00} in my checking account the following morning I was - {$1100.00}. The credit union then closed my account after I deposited a {$5000.00} check from XXXX XXXX without notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NE

Complaint narrative:
on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and Experian disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX XXXX bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( s ) Experian sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my coxs cable bill??? 
XXXX has not responded at all.????? 
XXXX sent a response of who furnished the information and it has not been removed from my credit report they did send a updated report to show who furnished them with this information. 
XXXX XXXX XXXX XXXX a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year>

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Us bank. 
XXXX  months ago I already bought in XXXX for XXXX , I pay all bills in time, but I can't use my card, I always have declined, the bank doesn't say anything ; they promise to call me back and that's all.

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 2024-11-10 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-10 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I pulled my report and seen some fraudulent hard inquiries on them. I need them removed 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 2024-11-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding an unresolved issue with one of three Visa Vanilla gift cards I purchased on XX/XX/year>, issued by InComm. While two of the cards functioned as expected, the third card, ending in XXXX, has been inaccessible due to a hold placed on it by XXXX. Despite following all recommended steps to resolve this issueincluding an initial call to Visa Vanilla Customer Support on XX/XX/year>, and providing all requested documentation via email on XX/XX/year> ( Case # XXXX ) I have yet to receive a resolution. 

I was informed the issue would be addressed within ten business days, but over a month has now passed with no updates or progress. This delay has caused significant inconvenience and has prevented me from accessing funds I paid for in good faith. 

I am now seeking government intervention to ensure that Visa Vanilla and InComm honor their commitment to consumers and resolve this case without further delay. I request prompt assistance getting a full refund for the aforementioned card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 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: SC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal credit union closed my account due to overdraft on XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
To Whom It May Concern, I am writing to formally dispute the presence of an account on my Equifax credit report, as this account has already been removed from my XXXX report. The account in question has been previously listed by XXXX, but they have since deleted it from my report. In the interest of accuracy and consistency, I am requesting that Equifax do the same and remove this account from my credit file. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to maintain accurate and up-to-date information in consumer credit reports ( 15 U.S. Code 1681e ) . Given that XXXX has determined this account should no longer appear on my report, I believe it is reasonable to expect the same treatment from Equifax to ensure accurate and fair reporting. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) advises that all credit bureaus strive for consistency in reporting practices. Having an account removed by XXXX bureau but still reported by another creates an inconsistency that could misrepresent my creditworthiness, potentially leading to inaccurate conclusions by lenders. 
Enclosed, I have included a copy of my XXXX credit report indicating the removal of this account, as well as a copy of my Equifax report showing the disputed item. 

I kindly request that Equifax review this discrepancy and remove this account from my credit report to reflect the same standard as XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX  regarding their handling of a debt they claim I owe to XXXX XXXX XXXX. Despite my previous requests for complete debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, XXXX XXXX XXXX XXXX has failed to provide adequate documentation substantiating the legitimacy and details of the debt. Furthermore, this debt has been reported to credit bureaus without validation, negatively impacting my credit report. 
Summary of My Requests and XXXX XXXX XXXX : Debt Validation Request Sent and Received : On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX XXXX  via XXXX mail, which they received. Subsequently, on XX/XX/year>, I received another letter from XXXX XXXX XXXX XXXX but as of this date, they have not provided the complete validation of the debt I requested. This request, submitted within the XXXX period allowed under the FDCPA, specifically sought validation documents, including : Name and address of the original creditor ( XXXX XXXX XXXX ) , Transfer documentation verifying the ownership of the debt, Date of default and delinquency, Detailed breakdown of charges, interest, and payments, Confirmation of compliance with the statute of limitations, and Proof of their legal authority to collect in Illinois. 
Lack of Adequate Response and Documentation : As of the date of this complaint, I have not received the requested documentation to validate the legitimacy of this debt. This lack of response from Credit Control , LLC does not comply with the FDCPA requirement to cease collection until the debt is validated. 
Debt Reporting to Credit Bureaus in Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Despite not validating the debt, Credit Control , LLC has reported it to credit bureaus, damaging my credit history. Under FCRA, reporting a debt without adequate validation may constitute a violation, as it involves reporting potentially inaccurate or unverified information.

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 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a text message from my bank, Chase, asking if I had made a transaction ( 3 total - first one for XXXX, second one - XXXX, and third XXXX ) I texted NO I received a text stating my debit card was canceled and a new one will be on the way. I called chase to speak with them - stating I did NOT make those charges. I am international flight attendant and travel XXXX weeks out of the month in different countries and states- my bank is aware. A chase representative told me they are investigating and I should receive my stolen funds back within 5-7 business days. I called back on XX/XX/XXXX inquiring on the status. A claim representative ( 2 representatives ) told me that chase is denying my claim and refuses to refund the XXXX stolen from my account. I filed a police report to my new local town and will bring this report number into a branch when I request a claim number for this case. I have banked with chase since 2015 - I feel violated and victimized of theft not only from the whoever charged my debit card and acquired my information, but from chase bank as well.

Company response to consumer: Closed with explanation