vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am the beneficiary of the checking account owned by my mother. She passed away on XX/XX/year>. About a week after her funeral, I personally visited the branch to close her account and receive the closing balance amount. The customer service representative informed me that I would be contacted by the person who was supposed to handle the matter at the headquarter. I missed a call from US Bank. Since that time I returned several calls and left messages, but I have never received any calls from US Bank anymore. Afterwards, I called the customer service representative at the branch. She gave me another telephone number to call. I again made several calls to that number and left messages and I have never received any calls from US Bank. Now, it is the end of XX/XX/scrub> XXXX  nothing has happened.

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 2024-10-25 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Its upsetting to know that my rights as a consumer are being disregarded. Like everyone, I place a high value on my credit score, and the errors on my credit report have harmed both my financial opportunities and my mental well-being. Ive been working to resolve these issues for some time, but my requests to correct the inaccuracies in my credit report have repeatedly been ignored or dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: Self Financial Inc.
State: CA

Complaint narrative:
The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via email/USPS mail , AND the FTC report , if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting officer to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that IS mentioned. Once again, proves you didnt do adequte research. Shut case. Ill be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
I am filling this complaint to TRANSUNION with file number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate and unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My Chime account was suspended because a transfer from XXXX account didnt go through when chime wanted it too. 

I called chime 5 times in total and was hung up on twice During those calls I was gave nothing but run arounds Chime continued to put stipulations in place as I did everything they asked me to do I was told to upload a bank statement and front and back of my Id which I did after doing that they put another stipulation in place saying they couldnt use my bank statement cause is from XXXX and XXXX and not XXXX and I told them that XXXX hasnt yet mailed me a bank statement for XXXX and I was told theres nothing they can do then

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge.

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 2024-10-25 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: BARCLAYS BANK DELAWARE
State: ND

Complaint narrative:
Hard inquiry XX/XX/year> Barclay 's bank Delaware showed up on my account. I have XXXX XXXX XXXX XXXX, I have not given permission for this bank or any bank to access my credit. I do not know who did it and I did not give them permission to do so. What is this? Who is this? I live in ND. What's a bank of Delaware doing on my credit report??? I would like answers as I have no idea why it is on my report randomly.

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 2024-10-25 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: MS

Complaint narrative:
Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY.

Also, I never gave the credit bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX XXXX Account # XXXX Account status is incorrect. High credit limit incorrect. Date of last activity incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report XXXX. XXXX XXXX XXXX Account # XXXX Account status is incorrect. Date of last activity is incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX High Credit Limit is incorrect. Date of last activity is incorrect which means the account has been reaged. This is inaccurate information.

Please delete this from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit reports I noticed 2 accounts that I did not authorize and have no knowledge of. I disputed these items and sent the identity theft report to the credit bureau however these items still remain- XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit reports I noticed 2 accounts that I did not authorize and have no knowledge of. I disputed these items and sent the identity theft report to the credit bureau however these items still remain- 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 2024-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went into wells fargo where I currently have an account and cashed my checks and they provided me XXXX fake XXXX dollar bills I returned to the bank to advise the manager and have them pull the camera and the manager offered me no help n told me to call the secret service, i phoned customer advocate for wells fargo they said I needed to handle it in the branch so now I am out 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 monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Hey, I went to purchase a car, i did not even authorized for credit check, even they want to check they have do report once but the those people did hard inquiries for 5 times, now those are on my profile, I did not tell them to pull the report for multiple times, without informing they pulled the credit report. I am raising the complaint these credit inquiries made on XX/XX/year>. There are multiple inquiries made by them from ally financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via dealer. These are the companies involved in hard inquiries these all has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NJ

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. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. 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 explanation
Consumer complaint received 2024-10-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
XXXX XXXX, XXXX, XX/XX/1998 Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account XXXX XXXX, XXXX. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 
I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately. 
- Promptly remove the negative late payments from my credit report. Compliance with FCRA Section 611 mandates that consumer reports be accurate and complete, and failure to correct these errors can lead to legal consequences. 

I expect this matter to be addressed swiftly and accurately, as I have consistently upheld my payment obligations. 
I also request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
Thank you for your immediate attention to this legally binding requirement.

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 2024-10-25 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: OH

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: OH

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} NXXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My card was used unauthorized to book a hotel not even in my name. two charges for {$760.00} & {$200.00}. my claim was denied in less than 24 hours. another claim i filed was an XXXX XXXX  transfer, i was scammed out of {$610.00} & never received an update to provide more information or anything. claim was denied within only 48 hours. thats a lot of money for me to have just lost out on and its upsetting, the proper investigation wasnt even conducted. there wasnt even an attempt to provide provisional credit, just flat out denied my disputes when these are VALID cases.

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 2024-10-25 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: VA

Complaint narrative:
When I reviewed my credit report today, I was stunned to find inaccurate accounts listed. This was totally unexpected, as I've been checking my report regularly, and everything has always been accurate until now. Refreshing my browser didnt change anything ; the errors were still there. I urgently request a detailed review of my submitted documents to prevent this from happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation