vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
This account was opened on the following data XXXX in XXXX and XX/XX/XXXX in Experian..this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian ... .this is wrond this inaccurate obtain credit XX/XX/XXXXfailed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XX/XX/XXXXXXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you

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 2024-07-11 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:
I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX XXXX : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX XXXX : XXXX  XXXX bankruptcy discharged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Skrill USA, Inc.
State: AL

Complaint narrative:
I ordered a card and never received it which I had to pay XXXX for the card they cancelled it said they would refund my XXXX dollars and then turned around and took my last XXXX dollars to order another one without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
In XX/XX/XXXX, XXXX  XXXX XXXX unilaterally closed my checking account. The bank explained that it has such a right according to the agreement. 
In XX/XX/XXXX, XXXX XXXX  closed my checking account in the same way. In both cases, the banks did not ask me about any suspicious transactions and did not ask me any questions. 

In XX/XX/XXXX, I tried to open accounts with the following banks : XXXX XXXX, XXXX, XXXX. And I got rejected everywhere. I assume that there is negative information about me somewhere. But I do not know what kind of information it is. 

I am deeply convinced that I have never engaged in any criminal activity or participated in questionable operations.

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 2024-07-11 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: TX

Complaint narrative:
I disagree with the accounts which still appear to be reporting inaccurate on my credit after requesting validation and or update. I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score In accordance with the Fair Credit Reporting Act and Public Laws listed. Please provide the names and business addresses of each individual with whom you verify the information, so that I may follow up. Please send me an update copy of my credit report after your investigation has been completed.

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on 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 non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on 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 non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was opened on the following data XX/XX/XXXX in Transunion, XX/XX/XXXX in XXXX..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in Transunion and XX/XX/XXXX in XXXXAnd XXXX XXXXthis is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX  XXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized account on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the account in question have not yet been removed from my credit report. I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. Since my initial dispute, I have taken additional steps to verify my identity and provide you with the necessary documentation to support my claim. As mentioned in my previous letter, I enclosed a copy of my government-issued ID, proof of address. I would like to request an update on the status of your investigation and the reasons for the delay in removing this unauthorized account from my credit report. The extended presence of this fraudulent entry is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. 

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 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I opened a bank account with Truist. I deposited my IRS check into my account in the amount of {$36000.00}. A hold was placed, and {$5500.00} was released the next business day, XX/XX/year>. The remaining amount would be available XX/XX/year>. Since opening my account, I have used it as normal, depositing my pay checks, paying rent, utilities and occasionally sending my wife money. On Saturday XX/XX/year>, my wife and I decided to go to the mall to do summer shopping, a normal day. We went into XXXX XXXX and I wanted to make a purchase in the amount of {$3000.00} with my Truist debit card, and I could not, I was advised to call the fraud department because of suspected fraud, which was understandable. After calling the fraud department and staying on the phone while attempting to use the debit card to make the transaction, my card would still not work. I explained to the rep the issue still persists and I was told that my spending limit needed to be adjusted and that department was closed. I was frustrated and agreed to call the following business day. On XX/XX/year>, I went into XXXX to get groceries and renew my membership, while attempting to renew my membership my Truist debit card declined yet again. This time, no one contacted or emailed regarding the decline of my card and I reached out to customer service and I was told that my account is under investigation Following XX/XX/year>, I have called everyday 2-3 times asking for an update and being told I will receive an email with further information. I asked a representative on the phone, if I could just withdraw money instead and was told that I could go to a local branch. XX/XX/year>, I received a letter in the mail stating my account would be closed, and that all deposits needed to stopped. I called again to ask about an update and again no update was given. On XX/XX/year>, I went inside a local branch to try to withdraw funds and the teller told me theres a note on my account that says do not release. I was confused as to why I was told to come inside a branch to withdraw and then theres a note saying do not release. I asked to speak with the branch manager, and he called truist as well and a representative on the phone, said I would receive an email with further updates within 2 business days. There has been no update since going into a local branch, XX/XX/year>, when I was told an update happens every 7-10 business days. It is now, XX/XX/XXXX and I have had my paychecks deposited into my account that I have not been able to obtain and I have not received any correspondence by mail, email, or phone.

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 2024-07-11 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: TX

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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

Complaint narrative:
Subject : Notice of Dispute and Intent to Pursue Legal Action Under 15 U.S.C. 1681n Dear EXPERIAN, I am writing to formally dispute several inaccuracies on my credit report and to notify you of your obligations under 15 U.S.C. 1681n. Despite my previous attempts to rectify these issues, they remain unresolved. As such, I am considering pursuing legal action to seek damages for your non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues on my credit report : 1. Incorrect Addresses : My credit report contains old addresses that do not belong to me. I have previously requested that these addresses be removed, yet they remain on my report.

2. Unauthorized Selling of Information : It has come to my attention that my personal information has been sold to other creditors without my consent. 

3. Closed Accounts : Despite my requests, you have refused to remove closed accounts from my credit report.

4. Reporting of Charged-Off Debts : It is my understanding that charged-off debts that have been sold should no longer be reported on my credit report. However, these debts continue to appear on my report.

Under 15 U.S.C. 1681n, you are required to ensure the accuracy of the information you report. Failure to comply with these requirements can result in liability for damages, including statutory damages of up to {$1000.00} per violation, actual damages, costs, and attorneys ' fees.

I am requesting the following actions : 5. Removal of Incorrect Addresses : Please remove any addresses from my credit report that are not associated with my current or previous residences.

6. Cessation of Unauthorized Information Sales : Immediately cease selling my personal information to third parties without my explicit consent. 

7. Removal of Closed Accounts : Remove all closed accounts that are inaccurately reported or have been previously requested for removal.

8. Verification and Removal of Charged-Off Debts : Provide verification of any charged-off debts that you continue to report. If these debts have been sold, they must be removed from my credit report. 

If these issues are not addressed within 30 days of receipt of this letter, I will pursue all available legal remedies to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response confirming the resolution of these issues. 

Sincerely, 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 2024-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX violated my rights. i looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: GA

Complaint narrative:
Also, I was XXXX out. My account had got overdrafted because there was fraudulent charges made on my debit card when I was notified when I got back about the situation we did the dispute. They received the police report and I won the dispute so my account was overdraft, took the money that I won from the dispute and used it to pay back the overdraft even though it was fraudulent and thats why it was overdrafted they charge me {$400.00} in fees as well and I was told that XXXX XXXX they are supposed to say and rule it out as fraud and erase the overdraft but instead they took almost XXXX of my money to pay the overdraft even though it was fraudulent and I did win the case, they said they were sending me my money of the {$2600.00} never received it. 


2nd Issue I closed my account with US BANK and they sent me a letter saying that I was going to get my check. I have not received that check or my money every time I get on the phone with them they try to figure out where the check is or they try to figure out Different things and they have still yet to give me my money from my account. Also they use my money to pay off a fraudulent charge that was on my account which someone use my card and I was away XXXX XXXX XXXX and made my account overdraft and for that, I had owed like {$700.00} and they used my money after I won the case to pay off the balance that was due which shouldnt have been even due because it was fraudulent in the first place and I have yet to get my money They sent me XXXX email every time I call the branch manager and the associate no one ever answers. They dont ever call me back. Email me back every time I get on the phone I go through XXXX different people and keep getting transferred and then when they finally finally find my check or whatever else, then Im on the phone and then I get disconnected and I have to start the process all over again.

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