vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: TX

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. I told XXXX, transunion y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Majority USA, LLC
State: CA

Complaint narrative:
So I had numerous of issues with my account I had my wallet and phone that was stolen I had money that was withdrawn from my account, I previously disputed this and I was told there was some fraud and weird XXXX links that had for my pin and card information and that when I saw money taken out and also they I did report my card stolen before and I feel like customer doesnt want to help me to have my money back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian, XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXXXXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

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 2024-12-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my request. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address I mailed my initial dispute letter on XX/XX/year>, via USPS certified mail ( tracking number XXXX ). On XX/XX/year>, I received a response stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is puzzling, as all prior communications were sent directly by me and included all required information. 
According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my dispute.

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 2024-12-04 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: WI

Complaint narrative:
In Accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 

1. Child support ( XXXX XXXX XXXX ) Account # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I just checked my credit report this morning and found unauthorized inquiries that I can not explain. Despite refreshing my browser to rule out a glitch, the discrepancies remained. I am very frustrated and urge you to review the documents Ive provided thoroughly to resolve this issue so I can put this worry behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXX  - Address : XXXX, MN XXXX Complaint : I am submitting this complaint to request the deletion of the one late payment reported on my credit report for the XXXX XXXX account ( Account # : XXXX ). This late payment is inaccurate and is causing harm to my credit score. 

I request that the CFPB take immediate action to mandate the deletion of this late payment and update my account status to current. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate. 
3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXX  - Address : XXXX, MN XXXX Complaint : I am submitting this complaint to request the deletion of the one late payment reported on my credit report for the XXXX XXXX account ( Account # : XXXX ). This late payment is inaccurate and is causing harm to my credit score.

I request that the CFPB take immediate action to mandate the deletion of this late payment and update my account status to current. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank in particular their XXXX XXXX XXXX credit card is sending out letters in the mail offering a preapproval link to a promotional offer. 

The promotional offer- is offering XXXX XXXXXXXX miles as well as 0 % APR for 12 months. 
The letter that arrived in the mail has my name and this promotional offer, they are doing this with many people as my neighbors also received this letter. 

The letter has a QR code leading to the preapproved link. 
Upon approval the XXXX miles are available but no signs of the offer for 0 % APR for the 12 months as promised. 

Now i have made multiple attempts to talk to Citi Bank and explain their fault. I have now given up. as Citi bank continues to deny that this is a promotional offer they are running. Even turned to ask me for a physical copy of this letter i received. I submitted the evidence they asked to their records. only to get told once again that this is insufficient evidence. They have ran my credit report once again, which is now affected even more. I have not made payments as this is a violation fo their original promotional offer. My credit report is now extremely affected. I cant find any other solution than to submit a formal complaint. I wish to pay off my debt to Citi, but only if they uphold their promotional offer. other wise this is a very scam like tactic by Citi bank to draw in people to apply for a " promo '' offer to then get stuck with a ridiculous 29.99 % APR.

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 2024-12-04 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: NC

Complaint narrative:
I am formally report identity theft SECTION 623 ( a ) ( A ) and to request the removal of inaccurate, fraudulent, and outdated items for my credit reports and XXXX, XXXX equifax and all consumer reporting agencies. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. The fraudulent activity has severely impacted my credit, and I seek prompt resolution to recitfy this situation. fraudulent inquires : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. 

Details of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. 
Failure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. 
Negative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my XXXX XXXX. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly. 
Relevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. 
Fair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. 
State Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. 
Resolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. 
Removal of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. 
Assurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. 
Refund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance.

I trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws.

Thank you for your attention to this complaint.

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 2024-12-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX for {$620.00} Ive asked for information and they got me confused with someone else. 
I dont recognize the account and the report on my credit has prevent me receiving credit from potential creditors Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
An account was opened in my name back in XXXX  with XXXX XXXX. Someone has charged this card and has now ruined my financial reputation. I do not know how or when. However I contacted XXXX XXXX made them aware and requested fraud kit after they said they would mail it and ask if i permitted I agreed. I received it and sent it back. XXXX XXXX is still reporting the data XXXX has ceased reporting it and removed it but its still reporting on Transunion and XXXX. Please help I am about to be homeless as my lease ends in XXXX and as I am applying for a mortgage this is hindering me, and ruining my financial reputation. 

I am so disappointed because this was an issue I assumed was resolved over a year ago.

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 2024-12-04 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: GA

Complaint narrative:
An account was opened in my name back in XXXX  with XXXX XXXX. Someone has charged this card and has now ruined my financial reputation. I do not know how or when. However I contacted XXXX XXXX made them aware and requested fraud kit after they said they would mail it and ask if i permitted I agreed. I received it and sent it back. XXXX XXXX is still reporting the data XXXX has ceased reporting it and removed it but its still reporting on XXXX and Experian. Please help I am about to be homeless as my lease ends in XXXX and as I am applying for a mortgage this is hindering me, and ruining my financial reputation. 

I am so disappointed because this was an issue I assumed was resolved over a year ago.

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 2024-12-04 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: AZ

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank essentially forcefully skewed financing pending and posting dates to maximize overdraft fees in our Business Checking Account. 
In XXXX I was told after a transaction post date I have until the XXXX day by XXXX ( more than XXXX hours ) to deposit funds. Today a Chase representative " XXXX '' who would not specify his last name, told me at around XXXX - XXXX XX/XX/XXXX they said its based on " pending '' not " posted date '' which I found extremely concerning and alarming.

He also said that they can charge me up to 6 overdrafts a day because my checking account is a " Business Checking Account ''. This was also another red flag to me odd since I was told it was a max 3 a day like a normal consumer checking account. 

Everything XXXX said was contradicting from what I was told or read about my account. I believe he is potentially corrupt or management above him enforces and encourages this type of financial misconduct. 

I can provide bank statements ( when the month finalizes ) and screen shots.

I am fully willing to cooperate with the investigation and provide my banking information. I believe Chase has been stealing from me in this type of manner when they see the opportunity arises. This is not the first time I have experienced this, I was a victim of this type of conduct from XXXX XXXX as well and received a check in a mail a year later due to class action lawsuits.

Company response to consumer: Closed with explanation