vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i checked my credit report and saw account and inquiries i didnt authorized. i have never give my personal information to these creditors. i dispute these inquiries and account. i did not authorize 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 2024-07-03 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: FL

Complaint narrative:
i checked my credit report and saw account and inquiries i didnt authorized. i have never give my personal information to these creditors. i dispute these inquiries and account. i did not authorize them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When lenders pull my credit with a soft pull they are getting information on fraudulent accounts that were previously removed. When a hard pull happens it shows my information as it should be. Unfortunately many lenders pre-qualify you based upon a soft pull. The fraud accounts continuing to be shared in the soft credit pulls are impacting my ability to get loans, refinances, cars, or any sort of credit with a company who pulls equifax as a prequalification process. I would like this corrected immediately. I will attach a copy of a recent credit pull that shows a score of XXXX pulled from Equifax and notice of serious delinquency and unpaid accounts. My equifax report should have neither of these things and a score above XXXX on average depending on scoring medium. Please let it be known that when I pull my credit report with experian or XXXX they also show removed accounts despite updating to a current date report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial 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 2024-07-03 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: SC

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. Please see attached file for these items I am complaining. 
"

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 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I recieved a noticed from XXXX XXXX XXXX XXXX XXXX  that I owe {$540.00} for a credit card that I did not apply for. I am a victim of identity theft and this shouldn't have happened. I have no knowledge of this account nor did I make those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: U.S. BANCORP
State: SC

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 TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-07-03 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: DISCOVER BANK
State: SC

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 TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XXXX XXXX I was at work and when I got off to leave to go home my vehicle had been broken into. My backpack with numerous items have been stolen. Most importantly I had my wallet in there with a lot of important documentation. From XX/XX/XXXX to XX/XX/XXXX I have numerous unauthorized transactions take place as well as unauthorized atm withdrawals from my discover bank account. I had no idea my funds were being stolen due to there security messages not notifying me. Every time I use my debit card it always declines first use and sends me confirmation to my cell phone if it is authorized or unauthorized. And I respond yes or no then it tell me to try again onces confirmation that it is me using my card. I have not received 1 message from my bank as my card was being wrongfully used. I notified them and even uploaded a police report of the incident from the date to the times to the whole situation that transpired. They have denied me several times and have been rude to me and i have followed every instruction they have gave me to follow in order to go about disputes. It was about XXXX $ in unauthorized transactions as well as XXXX $ in unauthorized ATM withdrawals and thats a lot of money to just be victimized of and not be able to have any help or resolution to reimburse any of it. I have been nothing but honest and respectful the whole entire time and they just seem to not be able to have any compassion or understanding that I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
The company replied back with the following information : Hi XXXX XXXX XXXX My name is XXXX XXXX and I am the supervisor with Denefits billing department and your case is escalated to me because of non payments for your contract with XXXX XXXX XXXX. and if I will not be able to settle this then it may be forwarded to the legal. I am ready to offer you a best possible discount and also ready to remove all Denefits payments from your Credit reports. Please reply me back. 
XXXX XXXX XXXX, your total balance remaining on this contract and which is on your Credit is {$2000.00}, however in this special offer we are ready to close this account if you pay {$1400.00} and we will remove this from your Credit as well. 

Please let me if you are interested to settle this or shall we mark this as a refusal to pay and forward this to legal? 

Attention : - Please let us know if you are interested in the settlement offer, Yes/ No? Or you want to say something regarding your overdue contract? In case we will not get any reply from yours end then we will be forced to forward your details for further collection activities as per the Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/year> I check my credit card statement via the mobile app and see a {$6200.00} charge that I did not make. The charge was from the previous day ( XX/XX/year> ) made at a company called XXXX XXXX XXXX XXXX XXXX. 
I immediately contact my credit card company, USAA, and report the issue. The card is canceled and a fraud investigation is initiated. I am told that my account will be credited the money while the investigation occurs and that the fraud department will be in touch if they need anymore information from me. At this point, I believe that USAA is trying to help me through this stressful time of victimization. 
Days pass and I don't hear anything from the fraud department. I trust that they have found this to indeed to a fraudulent charge. Meanwhile other fraudulent charges are being attempted and denied on my canceled card. Weeks pass and I begin to have confidence that this nightmare is over. 
Then roughly XXXX weeks later on XX/XX/year> the {$6200.00} charge reappears on my card. I call USAA to inquire about this and initially the customer services reps can not tell me why this charge is back as there has been no letter or report from the fraud department. Several days later I do receive a message from the fraud department simply saying that my fraud claim has been denied and that I am responsible for the {$6200.00}! 
They have given me no reasons for the outcome of their investigation and no other information for their findings. I can not even make contact with them. I have called and asked for an explanation on multiple occasions but will not be put through with anyone in the fraud department. I have asked the service reps what information they need to help them believe me and they have no answer for me. 
They do not seek the truth of the matter. They don't want it to be fraud. They only want to deny and delay and hope that I will go away. 
I have been a customer of USAA for XXXX  years and the one time that I need them to believe me that I have been a victim of credit card fraud, they have basically called me a liar. 
They have this whole facade of being an organization that helps military and veterans. Well, I am a veteran and they are being anything but helpful in 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 2024-07-03 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. 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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: VA

Complaint narrative:
My Tax Return Deposited Into my account & basically on the same day the account was closed & they asked for more information regarding to my tax return. Mind You I provided all of the information they were requesting from me soon as I do they tell me with further review they decided to close my account & then stated Im not eligible for a refund. Ive never in my life dealt with nothing like this especially not being able to receive my remaining balance that was in my account, I truly dont care if my account is not reopened but I would like my money this truly makes no XXXX sense, excuse my language but this is totally wrong. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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 submitted a dispute on XX/XX/year> for up to {$1000.00} for Experian violating the FCRA by reporting inaccurate information on my credit report. In the response, Experian stated that it once again contacted the vendor who they refuse to name.I have attached a copy of my request from complaint # XXXX. I did not request a reinvestigation and Experian is intentionally ignoring my request. I am now requesting up to {$2000.00} in accordance with the FCRA for this second violation. I DO NOT wish a re-investigation. This is a complaint for violating the FCRA regulations.

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 2024-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: KEYCORP
State: OR

Complaint narrative:
Dear, CFPB In two consecutive months after sending the my payment on the first of the month for a due date of the XXXX of the month. The Bank hold on to the check and cash it the after the grace period and charge me a {$30.00} fee. When trying to make a payment over the phone ( XX/XX/XXXX ) the instructed me to go to their website and authorize and external account. 
I made such phone on call on XX/XX/XXXX, them they asked me to wait until the deposit micro-transactions on my account, I got the micro deposits on XX/XX/XXXX, I called today XX/XX/XXXX and told me they still can't take my payment -for up to 4 more days- because the system can not take my verification yet. On XX/XX/XXXX and XX/XX/XXXX I had to take time off at work to be in the phone for about XXXX, I was transferred to XXXX different people today until a representative told me they can't take my payment yet. 
This is a blatant delaying technique in order to harvest late fees. 


Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 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 Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification

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 2024-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: MI

Complaint narrative:
I have been having an issue with Mercedes-Benz since purchasing a vehicle on XX/XX/year>. The car was since returned in a volunteer repossession and resold. I never received a proof of sale for the amount but have been receiving phone calls and demand for payment letters from a collection agency called XXXX and Mercedes is still reporting a balance owed to them on my credit report as well. Mercedes are reporting a balance of {$13000.00} and XXXX {$12000.00} plus fees, {$14000.00}. I have sent letters and made calls to both agencies. i have expressed that under laws I have the right to a fair and accurate report. I have spoken with a consumer law attorney and my next step would be to file a lawsuit with this company.

Company response to consumer: Closed with explanation