vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2024-03-13 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: TX

Complaint narrative:
Hi I filed two complaints previously with CFPB regarding this and was told US bank was working on it. I had since then spoken to them many times and was told to again keep waiting for them to provide a resolution. Not only did US Bank never contact me, I ended up calling their fraud liasion center again in XXXX XXXX XXXX and was told the claim was rejected and if I wanted to get my money back, I had to go through a court. 

During that phone call, I also asked for details of the investigation and reason why they would not be able to reissue me a check and I have never received the requested information from US BANK. 

In XX/XX/XXXX, I had a lawyer send a demand letter to US Bank but have not heard from them since then. My lawyer also reached out to the XXXX XXXX ( where the check was fraudulently cashed out ) and I have attached their response here. Based on their response, it was US bank 's responsibility for not being able to notify XXXX XXXX within the required 30 day window. In addition, it sounds like US Bank received the response from XXXX XXXX way earlier than what I was told. Again I am trying to resolve this issue without having to go through a court. So I need US Bank to respond with details of the investigation as well as reissue me a check with the amount plus loss of interest accured asap. 

Please find response from XXXX XXXX below : Pursuant to UCC 4-207 ( d ), a claimant must submit a claim to a warrantor within 30 days after the claimant has reason to know of the breach and identity of the warrantor. Failure to meet this deadline results in the warrantor being discharged. 

In this case, XXXX XXXX notified US Bank at least by XX/XX/XXXX of the alleged forgery. See emails attached she sent US Bank affidavit. US Bank then had 30 days to make claim upon XXXX XXXX XXXX XXXX, or by XX/XX/XXXX. 

However, U.S. Bank did not send XXXX XXXX XXXX XXXX any notice until a letter dated XX/XX/XXXX well outside the 30 day timeframe. Accordingly, per the attached emails, the claim was denied. 

Claimant ( s ) knew of the alleged breach at least by XX/XX/XXXX, but notification was not timely tendered to XXXX XXXX XXXX XXXX. As such, any liability the XXXX XXXX had in this matter has been extinguished pursusant to UCC 4-207 ( d ).

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
FCRA 605B mandates the deletion of any erroneous accounts from my credit report. Would you mind examining the documents? A few listed accounts are inaccurate, unsettling me.

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 2024-03-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several accounts opened using my personal information fraudulently to obtain financial services or goods. The listed accounts documented in this report are not mine and should not be reflecting on my consumer report! According to 15 US Code Section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604A Section 2, states, that a consumer reporting agency can not furnish an account without the consumer 's written instructions. The accounts listed should have never used my information as I never provided them my instructions to do so on my behalf. 
Therefore, these accounts are not mine and should not be reported on my consumer report. Ultimately, I am demanding the deletion of these listed accounts

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 2024-03-13 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:
My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several accounts opened using my personal information fraudulently to obtain financial services or goods. The listed accounts documented in this report are not mine and should not be reflecting on my consumer report! According to 15 US Code Section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604A Section 2, states, that a consumer reporting agency can not furnish an account without the consumer 's written instructions. The accounts listed should have never used my information as I never provided them my instructions to do so on my behalf. 
Therefore, these accounts are not mine and should not be reported on my consumer report. Ultimately, I am demanding the deletion of these listed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The personal information outlined in this document is not mine.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX a consumer is still having problems with a Bankruptcy on my credit report. I have asked the several times that the bureaus show me how this information was furnished. They have yet to mark the accounts as disputed. The bureau has completely disobeyed the FCRA. They have not removed this account from my credit report. So, I'm requesting that all XXXX XXXX accounts on my credit be removed. 15usc1681 604a Section 2 states that a consumer reporting agency can not furnish account without, my written consent.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX  XXXX || Account Number : 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 2024-03-13 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: OK

Complaint narrative:
Dear TransUnion, I am writing to officially dispute the inaccurate listing of the name XXXX XXXX XXXX on my credit report. I seek your immediate attention to rectify this matter and ensure the accurate representation of my identity.

I have previously sent a dispute letter by mail, outlining the inaccuracies associated with the mentioned name and providing supporting documentation. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report.

Additionally, I have placed the supporting documents in the Consumer Financial Protection Bureau ( CFPB ) portal for your investigation. FCRA Section 611 ( a ) ( 3 ) requires consumer reporting agencies to consider all relevant information submitted by the consumer during the reinvestigation process.

As outlined in FCRA Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies must conduct a reasonable reinvestigation within 30 days upon receiving a dispute notice. Failure to initiate an investigation within this timeframe may result in the automatic deletion of the disputed information.

Enclosed with this letter is a copy of the supporting documentation sent via mail, reinforcing my identity and the inaccuracies associated with the name XXXX XXXX XXXX. I trust that this information, along with the documents in the CFPB portal, will expedite your investigation and ensure a swift resolution. 

I appreciate your attention to this matter and expect your prompt collaboration in rectifying these inaccuracies within the stipulated time frame.

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 2024-03-14 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: GA

Complaint narrative:
Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- XXXX -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.

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 2024-03-14 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: GA

Complaint narrative:
Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- XXXX -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XX/XX/year> I reported to Citi Bank to close my credit cards ending in XXXX and XXXX because I got an email notice saying that the new cards I requested were activated. I did not request new cards for those accounts because I did not lose them, nor was it stolen and were not yet to expire. The credit cards were mailed to an address in XXXX, CA. I did not change my address, I do not live in California nor I have ever lived in California. After those credit cards were finally canceled and closed. Citi Bank issued XXXX new cards ending in XXXX and XXXX under the name XXXX XXXX to the XXXX, CA address. I have contacted Citi several times and disputed these cards as fraud because I do not know a XXXX XXXX and I did not send them any proof that I changed my name legally from XXXX XXXX to XXXX XXXX and I did not request or apply for new Citi credit cards. I sent them my letter from CFPB, a copy of my Police Report # XXXX ID theft 2nd Degree Felony and my letter of explanation. Citi states that that the investigation was decided that there was no fraud. Then Citi sends me the statements for those cards but changed the name from XXXX XXXX to XXXX XXXX. The XXXX new cards were issued to XXXX XXXX not to me XXXX XXXX. I did get divorced and have my court papers to change my name legally from XXXX XXXX to XXXX XXXX, which is my current legal name. I do not understand how or why Citi can change my name from XXXX XXXX to XXXX XXXX without any proof of name change. Citi will not remove the name XXXX XXXX and/or the California address from the credit reporting agencies. I feel this is an inside job within Citi Bank itself.

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 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have recently received my credit report and I've noticed many accounts opened without my authorization : Sequium Asset Solution ; {$600.00} .I am not sure where my information is being stolen from but I'm initiating this report with hopes of getting these issued resolved as it is hurting my credit profile and creating debt that isn't mine.In addition to statement above, I have not live or resided in these locations where these accounts have been opened. This was brought to my attention once I have finally seen my full credit report. I was being denied for a lot of things like bank accounts, credit cards, and loans for example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Upon reviewing my credit report, dated XX/XX/2024. I discovered an entry regarding a charged off account that contains inaccurate information. The account in question is listed as account # XXXX, and it is reported as charged off by Nissan Motor Acceptance Corporation. However, after thorough examination of my records, I have reason to believe that the information provided by Nissan Motor Acceptance Corporation is erroneous and does not accurately reflect the status of the account. Upon further examination, it has become evident that inaccuracies exist on the report such as the last payment date, balance owed, last reported and term length. Such inaccuracies not only tarnish my creditworthiness but also undermine the integrity of the credit reporting system as a whole. I request that you conduct a thorough investigation into this matter and verify the accuracy of the information being reported. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Inaccurate reporting can negatively impact my credit score and financial standing.

Company response to consumer: Closed with explanation