vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern : I noticed my XXXX XXXX  checking account was overdrawn, so I checked it and found that dating back to XX/XX/XXXX, someone gained access to my business checking account number and routing number and started doing ACH debits. The payments were made to Best Buy, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX The names used were XXXX XXXX XXXX XXXX XXXX XXXX. Two names I've never used and people with whom I have never associated. The amounts ranged from the {$500.00} range up to {$4000.00} more recently, totaling approximately {$21000.00}. 

Once I noticed this, on XX/XX/XXXX, I called XXXX XXXX and filed a claim. They state they are only allowed to reverse charges that were within 30-60 days of the first occurrence. The most recent occurrence was XX/XX/XXXX. Within the past couple weeks, the criminal debited my account for more than {$10000.00}. I called all of the above companies and they stated they couldn't do anything and to talk with my bank XXXX XXXX XXXX, who is not helping me any further. 

In the past, I received texts or emails about suspicious activity, which I believe this is, and I never received any notifications from my bank regarding any of these debits, even though someone else 's names were used for the transactions. 

The transactions with dates and amounts are in a supporting document. 

I believe a fair resolution is to have my money credited back to my account. Since the money used by the criminal was to either purchase something or pay off one of their own credit cards used by the aforementioned companies, they should be held responsible and then the criminal 's accounts will be debited, not mine. I had nothing to do with these charges except for my account being used without authorization.

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 2024-04-30 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: DE

Complaint narrative:
I did not authorize these inquiries, and the company conducted them without my knowledge. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
The items listed on my credit I don't know I was XXXX from XXXX XXXX XXXX and never used credit they need to remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NJ

Complaint narrative:
I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts inaccurately report amounts and dates.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
this Company has over 7 diffrent variations of my name, they have old and outdated addresses, jobs, phone numbers this company is also reporting personal private information without written consent according to Title 15 USC 1681 Permissible purpose ( ie ) there is XXXX XXXX XXXX XXXX  that were deleted from my XXXX XXXX Credit file because they were proved fraudulent from the ( XXXX XXXX XXXX XXXX ) but this company is still reporting this false information, which is a violation of the Metro 2 Guidelines as well as the permissible Purpose Law, unless they can produce a written consent form

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 2024-04-30 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: PA

Complaint narrative:
this Company has over 7 diffrent variations of my name, they have old and outdated addresses, jobs, phone numbers this company is also reporting personal private information without written consent according to Title 15 USC 1681 Permissible purpose ( ie ) there is XXXX XXXX XXXX XXXX that were deleted from my XXXX XXXX Credit file because they were proved fraudulent from the ( XXXX XXXX XXXX XXXX ) but this company is still reporting this false information, which is a violation of the Metro 2 Guidelines as well as the permissible Purpose Law, unless they can produce a written consent form

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TN

Complaint narrative:
This probably happened about two years ago, ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.

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 2024-04-30 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: TN

Complaint narrative:
This probably happened about two years ago, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.

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 2024-04-30 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: TN

Complaint narrative:
This probably happened about two years ago, ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: OR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : account : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is a follow up complaint to my prior complaint XXXX XXXX filed in XXXX. 

In XXXX, for the second time, TD Bank ( mortgagee ) has placed duplicate insurance on my property AFTER I provided TD Bank with written evidence of property insurance. In XXXX ( similar to XXXX ), TD Bank requested proof of hazard insurance and in each case I sent TD bank proof of hazard insurance on my property. In XXXX ( similar to XXXX ) TD Bank ignored my written response which contained evidence of property insurance so that TD Bank could put duplicate insurance on my property. In XXXX ( similar to XXXX ) TD Bank put insurance with an exorbitantly high premium on my property AFTER I sent written evidence of property insurance with delivery confirmation. Without my consent, TD Bank created an escrow account, debited the escrow account for the insurance premium and changed my mortgage payment. 

I have already emailed and mailed copies of documents concerning my complaint directly to TD Bank NA. I requested that TD Bank respond and correct their error ; however, TD Bank has not taken any steps to correct their error. This is the second complain against TD Bank for the exact same problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 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: NJ

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've always ensured timely payments on this account, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have a complaint already against this company for other issues, however, I realized that Capital One Bank is charging interest on accounts that I already paid off in full, this has happened on two accounts that are also a part of the other complaint, however, I realized that after paying 2 of my accounts off, and was going to close them because of the unethical treatment and illegal measures they have been doing to myself and my accounts. You cant charge interest on an account or accounts that are paid in full, this is simply illegal. I expect them to pay these fees as, I paid both accounts off, they were at XXXX not being used, and I was going to close them, and they charged illegal interest on both of my accounts. They are breaking banking, credit and fair credit rules and this is simply not ethical. Its wrong, its illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
Hello, My Name is XXXX XXXX XXXX XXXX, I am writing to have the following information in my file removed. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 explanation
Consumer complaint received 2024-04-30 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: OK

Complaint narrative:
XX/XX/XXXX sent letter to Experian requesting information regarding several suspicious accounts. 
XX/XX/XXXX sent a second letter to Experian requesting information regarding several suspicious accounts. 
XX/XX/XXXX received an auto-reply letter from Experian with none of the requested information and no explanation. In the letter Experian created an excuse that they think I requested help to fix inaccurate information and that maybe I should not ask anyone for help. 
XX/XX/XXXX sent a third letter to Experian confirming I had received their letter of no action taken and restated my request for information regarding a suspicious account. 
XX/XX/XXXX received the same auto-reply letter from Experian with none of the requested information and no explanation. In the letter Experian repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 

At this point it has been well past the regulated time Experian has to respond to my multiple requests regarding the same suspicious accounts. I thought at this point Experian is required to remove the account as the account was unable to be verified within the required time. Instead, they are able to delay without consequence which costs me money in higher interest rates and extra time and money to get approved. 

XX/XX/XXXX sent a fourth letter to Experian confirming I had received their letter of no action taken and very plainly restated my request for information regarding the suspicious account. 
XX/XX/XXXX for the 3rd time received the same auto-reply letter from Experian with none of the requested information and no explanation. In the letter Experian repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 
Experian is not reading my written requests and is simply sending automated responses. How is this possible? No one holds Experian accountable, Experian does not have to do any required work, and does not have to follow regulations of removing accounts Experian can not verify.

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 2024-04-30 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: DE

Complaint narrative:
LVNV funding continues to report to the credit bureaus a collection on my credit report. LVNV funding IS NOT authorized to conduct business in the state of Delaware. On XXXX  LVNV funding lost its ability to collect debts in the state of Delaware. I am requesting that this account be deleted due to them not having the legal right to collect in my state. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: I.C. System, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Citations of Federal and Texas Laws Hello, I C SYSTEM, I'm writing to address a concerning matter regarding the unauthorized reporting of information to my credit report, as affirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has undeniably come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as delineated in the FCRA, explicitly mandates that consumer consent is an absolute requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code lays out clear guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal information. 

I affirm with absolute certainty that I haven't provided consent for I C SYSTEM to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and showing a clear disregard for federal and state laws. 

I demand, unequivocally, that I C SYSTEM immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I stress that obtaining consent isn't optional but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't open for discussion ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these serious violations, respecting my rights under federal and state laws.

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 2024-04-30 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: PA

Complaint narrative:
From my understanding, FCRA 605B requires us to delete any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccuracies in my credit report. Specifically, there is an account showing an outdated balance that should no longer be reporting, as well as an incorrect address and another individuals social security number attributed to my profile. Please investigate and correct these errors promptly. 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 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: VA

Complaint narrative:
I have updated my personal information regarding my address with Klarna, and now I am being denied credit, because all of my credit information is missing. I have reached out to Klarna several times and the only response I get is this process is automatic and nothing can be done. I have a credit score, and I have used Klarna several times before the last time being in XXXX 2024. i spoke to the Klarna rep on the phone and she advised that I call XXXX XXXX I reached out to XXXX and they assured me I had a credit score with accounts listed on my report.

Company response to consumer: Closed with explanation