vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The credit bureau told me that they got my bankruptcy information from XXXX XXXX. XXXX XXXX told me that my bankruptcy information was unveriable. The bankruptcy court also gave me a letter that they don't report information to the credit bureau. So Please remove this Bankruptcy from my 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The credit bureau told me that they got my bankruptcy information from XXXX XXXX. XXXX XXXX told me that my bankruptcy information was unveriable. The bankruptcy court also gave me a letter that they don't report information to the credit bureau. So Please remove this Bankruptcy from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: U.S. BANCORP
State: CA

Complaint narrative:
US Bank reported following information to XXXX. 
Source of Information : U.S. BANK CORPORATION ; XXXX XXXX XXXX XXXX OH XXXX Reported For : ACCOUNT ABUSE REPORT IS DISPUTED BY THE CONSUMER ( S ) Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX This information or debt does not belong to me. 

US Bank is violating The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws by reporting incorrect information to XXXX and affecting my personal life and financial status. 

I request US Bank to verify the charges that caused this debt, verify those charges made by me. 

1. Provide all charges that caused this debt.

2. Provide dates, description of all these charges 3. Provide if any details of all disputes were open 4. Provide results of investigation of these all disputes of all charges.

5. Provide proof that I made those charges.

6. Provide banks policy for fraud protection. 
7. Provide if any bank policy used to cover these charges 8. Provide if this debt is charged off, provide proof of charged off action 9. Us Bank reported my address as " XXXX XXXX XXXXXXXX '' on XXXX  report, provide proof of this address being my address during banking with US Bank. 
10. If any of the information on XXXX  report incorrect, I reqjuest US bank to remove record from XXXX. 
11. If Us bank makes any updates to record on XXXX, I request US Bank to provide proof of real information that us bank updates on credit report. 
12. US Bank is violating 15 US 1981 and 15 US 1692 laws reporting inaccurate information to XXXX and violating fair debt collection act by reporting inaccurate debt to XXXX. 
13. If US Bank does not provide and answer all my complaint questions with proofs, I will file a lawsuit against Us Bank and XXXX XXXX for the alleged debt reporting and hurting my personal and financial life. 

I requ

est US Bank to investigate this complaint and respond to my complaint following all The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws properly. If US Bank does not respond my complaint in 15 days, or if US
bank does not provide proofs requested in complaint, I request Us bank to remove this record from XXXX and Us bank internal records. 

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 2024-12-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. i have asked the CRAs for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of My ID, the FTC Complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of Debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-13 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FIDELITY CAPITAL HOLDINGS, INC
State: MO

Complaint narrative:
First called XXXX XXXX my address bar field and put it on my credit report. Second my fed loans satisfied XXXX, XXXX rebilled XXXX took income direvtly from my account. Then XXXX did it again and rebilled XXXX XXXX and again XXXX same amounts nonstop. None are applying for fed loans none. None should. Preformance so XXXX none want to attend a college.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
First called XXXX XXXX my address bar field and put it on my credit report. Second my fed loans satisfied XXXX, XXXX rebilled XXXX took income direvtly from my account. Then XXXX did it again and rebilled XXXX XXXX and again XXXX same amounts nonstop. None are applying for fed loans none. None should. Preformance so XXXX none want to attend a college.

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 2024-12-13 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: FL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Firstly, I had to call their customer service at least 24 times and file 2 CFPB complaints before these guys told me that I cant request a direct deposit for my rewards. They wasted countless hours of my time by simply asking for the same information again and again and filling out the same forms again and again.

Secondly, now it has been way past 90 days. I submitted another request on XXXX and followed up on XXXX, both times I was told that the direct deposit will be in my account by XX/XX/XXXX. Today is XX/XX/XXXX and still no sign of the direct deposit. When I called, the first agent told me that he can see the request but I need to wait another 15 days for the direct deposit. When I asked for a supervisor, she was even worse. I asked her what happened with my previous request and without telling me she started filling out a brand new request without giving me any answers. The she proceeds to hang up. When I asked her the same question for the 10th time then she lies to me that my previous request was in XXXX which was not after 90 days. When I told her that she was incorrect and that the latest request was on XXXX which was way after 90 days, her answer is that she cant see that request and starts hinting that I am making this up. She wont give me one straight answer. I have attached a copy of their previous lies where they told me that I wont face any issues if I submit my direct deposit request after 90 days. 

This simply shows how little this institution cares about its customers and how garbage their customer service is. They lie every single time I have called them. I will keep filing CFPB complaints for every single time I have to call them and hear their pathetic lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Regulatory Complaint : Inaccurate Account Status Following Bankruptcy Discharge I am submitting this formal complaint to address an issue with my account and customer profile that appears to reflect non-compliance with required processes following my bankruptcy discharge. 

In XXXX, I filed for bankruptcy protection and included all relevant debts to ensure a complete discharge. Since the discharge was finalized, I have taken steps to reestablish my financial standing, including opening new checking and savings accounts at a branch after my bankruptcy case was closed. 

However, my account and customer profile remain flagged with a generic statement indicating that any account activity or information is not a form of debt collection but for informational purposes only. This flag implies an active bankruptcy status, which is no longer accurate as my case has been fully discharged. 

This error demonstrates a failure to update customer records accurately and in a timely manner, as required under applicable regulations. It is my understanding that your organization has an obligation to ensure customer information is current and reflects the proper status following significant events such as bankruptcy discharges. 

I respectfully request an immediate review of my accounts and customer profile to : 1. Remove any indication of an active bankruptcy.

2. Confirm that all records reflect the correct status post-discharge.

3. Provide written confirmation that this matter has been resolved. 

Unfortunately, I have found that such issues are often only addressed after a formal complaint is filed, which I feel should not be necessary for routine compliance. Nonetheless, I am documenting this matter to ensure it is appropriately escalated and resolved. If corrective action is not taken, I will have no choice but to pursue further steps with additional regulatory bodies to ensure compliance and accountability. 

Please confirm receipt of this complaint and provide a timeline for resolution. Should additional information be required, I am happy to provide it. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: KY

Complaint narrative:
Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( l ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report. 
Accounts : XXXXXXXX XXXX XXXXXXXX XXXX  This account is being reported inaccurately, please remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: KY

Complaint narrative:
Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( l ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report. 
Accounts : XXXXXXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this 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 non-monetary relief