vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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 Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 
I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to 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 2024-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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  Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 
I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to 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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, and as a result, fraudulent accounts and inquiries have been made in my name. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report. 
The following fraudulent accounts are the subject of this request : 1. XXXX Account # : XXXX XX/XX/XXXX {$110.00} Additionally, I request that the following unauthorized inquiries also be removed : 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

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 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
In the middle of XXXX XXXX, Citibank accused me of a non-payment on a credit card account with XXXX and charged me a late fee on the alleged non-payment. I contacted the institute that I bank with, and they informed me that the autopay schedule was met, and that Citibank had in fact received the monthly payment from my banking institute as arrange by me several months earlier in XXXX XXXX When I contacted Citibank about the error, I was told that a correction would be made, and it would and appear in the next billing on the XXXX of XXXX statement. This never happened, and so I contacted Citibank again in the first week of XXXX wanting to know where the billing statement was that I was supposed to receive. I was told by Citibank customer service that I would receive a statement that would clarify the situation by the second week of XXXX and that Citibank was going to cover the missing {$900.00} payment they claimed they never receive. There was also a discrepancy of {$1000.00} that I noticed on the credit card limit of {$4000.00} when I checked online for the {$900.00} auto pay deposit from my bank, and when I asked why, customer service did nothing to correct this, claiming ignorance of the {$3000.00} limit that I was given in the recorded message when I called. I closed down the credit card immediately and asked for an accounting that shows all transactions for the months of XXXX and XXXX, and I got nothing from Citibank in response to this request. It is my firm belief that Citibank deliberately ran a scam on me because they refuse to address the issue in a timely manner.

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 2024-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered a piece of luggage from XXXX using my BOFA credit card and then decided to use XXXX to spread out the payments .The next day I realized that both myself and my partner will be out of town and that there will be no one to sign for the {$3000.00} piece of luggage. The next morning I was calling and emailing XXXX trying to cancel the order but no one was picking up and no one returning voice mail. I finally got someone late in the day to pick up the phone so I was able to cancel the order and the guy even put a return to sender on the XXXX label just in case. I waited a day and then disputed the charge on my BOFA card. Everything was taken care of until 30 days later when BOFA said the merchant disputed my claim even though I had sent BOFA a copy of the email saying order was cancelled. BOFA on XX/XX/XXXX paid them again {$760.00}. Then on XX/XX/XXXX XXXX said they were sending me a refund for {$790.00}. I never received the refund and now they are saying I was sent a refund of around {$28.00} which was only part of the order refunded ( luggage label ) but that I would not be getting any more even though I paid them an additional sum of {$760.00} on XX/XX/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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my XXXX XXXX so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my credit report, there are XXXX entries for a XXXX XXXX Bank account with the same account number ( # XXXX ). XXXX account is listed as opened on XX/XX/XXXX, and closed in XX/XX/XXXX, while the other account is listed as opened on XX/XX/XXXX, and closed within the same month. 

Both entries are outdated and should no longer be on my credit report, as they fall outside the seven-year reporting limit set by the Fair Credit Reporting Act ( FCRA ). These accounts have been closed for more than seven years and, per FCRA guidelines, are ineligible to remain on my credit report. Continuing to report these accounts violates my rights under the FCRA and creates an inaccurate representation of my credit history.

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 2024-11-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 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: SD

Complaint narrative:
My credit report has listed an account that does not appear to be mine or contains inaccurate 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 non-monetary relief
Consumer complaint received 2024-11-07 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: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-07 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: CO

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 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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed an account on my credit report that do not belong to me and I reached out to the company to provide me with more information but the company did not provide me with any information due to me not having the address, email or phone number that was on the account they then prompted me to email they customer service department to request that information and I emailed on multiple occasions and never received that information and then I took matters to disputing it with the credit buearus and they did they investigation and said this account belong to me and it doesn't belong to me

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed an account on my credit report that do not belong to me and I reached out to the company to provide me with more information but the company did not provide me with any information due to me not having the address, email or phone number that was on the account they then prompted me to email they customer service department to request that information and I emailed on multiple occasions and never received that information and then I took matters to disputing it with the credit buearus and they did they investigation and said this account belong to me and it doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for XXXX XXXX in XX/XX/scrub>XXXX XXXX approved for {$2500.00} for dental services at XXXX XXXX in XXXX, Tx. XX/XX/year>, they charged the full {$2500.00} without any services rendered, but I still paid the monthly amount as to not ruin my credit. In XXXX I disputed the charges, and the charges were reversed back to the {$2500.00}, then dropped to {$250.00}, but I am due a refund of {$370.00}. I spoke with an agent on XX/XX/XXXX, and she stated my refund would be received within XXXX business days. I called XXXX XXXX on XX/XX/XXXX, stating that I hadn't received my check, an agent stated they would send out another one, but they would expedite it, so I would receive it within XXXX business days. I contacted them on XX/XX/XXXX, and the " manager '' stated the check was not sent out on XX/XX/XXXX, due to it looking like a double check. So, she stated it would be sent out on XX/XX/XXXX, expedited. I contacted them today on XX/XX/XXXX, and they stated it was not sent out expedited, so it will be another XXXX business days. I asked to file a complaint with a manager on XX/XX/XXXX, but he didn't type anything that I was saying, he only said, " I'm sorry, but you'll get it soon. HORRIBLE CUSTOMER SERVICE!!!!

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 2024-11-07 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: CA

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and 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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a personal checking account with Bank of America. I had a wire transfer deposit of {$6300.00} go into this account the following week. Bank of America froze those funds to offset a debt owed by my company which is an XXXX and has an EIN number. Bank of America states that I signed a contract giving them this permission when I opened the bank account. This was a deceptive practice by Bank of America. I went in to open a personal checking account and it was never disclosed to me that I was giving them this permission. The banker had me sign electronically and he never mentioned this. This debt is over 4 years old. This debt is owned by another entity, the XXXX, not me. I went to the branch in person to resolve this and they were no help. The branch manager actually told me to get a lawyer. I also called Bank of America and they said I signed giving them this right when I opened the account and refused my request to have the money returned to me. I absolutely did not give them permission to do this and feel Bank of America used deceptive practices here. They left me with {$100.00} in my account to pay a debt owed by the XXXX and as far as I am concerned they stole {$6200.00} out of my account. I am requesting a full refund of all funds unlawfully garnished by Bank of America.

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 2024-11-07 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: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation