vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-13 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2024-11-13 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: VA

Complaint narrative:
To Whom It May Concern, I am formally disputing several accounts on my credit report dated XX/XX/year>. These accounts contain derogatory, inaccurate information that has substantially harmed my credit score and financial reputation. In accordance with the doctrine of estoppel by silence as established in XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX, I state the following : " I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo. ) XXXX XXXX. XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' Disputed Accounts Negatively Impacting My Credit File I request immediate removal of the following accounts from my credit report due to lack of verification and their detrimental impact on my credit : XXXX XXXX  Account Status : Collection/Chargeoff Balance : {$15000.00} Credit Bureaus Reporting : TransUnion, XXXX, XXXX Violation : Unverified debt with derogatory status affecting my credit score. 
XXXX Account Status : Collection/Chargeoff Balance : {$110.00} Credit Bureau Reporting : TransUnion Violation : Reported as a charged-off debt, affecting my credit without verification of debt legitimacy. 
XXXXXXXX XXXX Account Status : Collection/Chargeoff Balance : {$1600.00} Credit Bureaus Reporting : TransUnion, XXXX, XXXX Violation : Account reported as charged-off, harming my credit rating without proof of validity. 
Request for Immediate Removal and Notice of Intent to Sue The inclusion of these derogatory accounts without verification constitutes willful and negligent reporting, damaging my credit score and reputation. I request the immediate removal of these accounts from my credit report. If these items are not promptly deleted, I intend to pursue legal action for defamation of character due to the unsubstantiated and harmful reporting of these alleged debts. 

Please confirm in writing within 30 days that these items have been removed. Failure to act will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and further action in court. 

Thank you for your immediate attention to this matter.

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 2024-11-13 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: VA

Complaint narrative:
To Whom It May Concern, I am formally disputing several accounts on my credit report dated XX/XX/year>. These accounts contain derogatory, inaccurate information that has substantially harmed my credit score and financial reputation. In accordance with the doctrine of estoppel by silence as established in XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX, I state the following : " I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo. ) XXXX XXXX. XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' Disputed Accounts Negatively Impacting My Credit File I request immediate removal of the following accounts from my credit report due to lack of verification and their detrimental impact on my credit : XXXX XXXX Account Status : Collection/Chargeoff Balance : {$15000.00} Credit Bureaus Reporting : XXXX, Experian, XXXX Violation : Unverified debt with derogatory status affecting my credit score. 
XXXX  Account Status : Collection/Chargeoff Balance : {$110.00} Credit Bureau Reporting : XXXX XXXX : Reported as a charged-off debt, affecting my credit without verification of debt legitimacy. 
XXXX XXXX Account Status : Collection/Chargeoff Balance : {$1600.00} Credit Bureaus Reporting : XXXX, Experian, XXXX Violation : Account reported as charged-off, harming my credit rating without proof of validity. 
Request for Immediate Removal and Notice of Intent to Sue The inclusion of these derogatory accounts without verification constitutes willful and negligent reporting, damaging my credit score and reputation. I request the immediate removal of these accounts from my credit report. If these items are not promptly deleted, I intend to pursue legal action for defamation of character due to the unsubstantiated and harmful reporting of these alleged debts. 

Please confirm in writing within 30 days that these items have been removed. Failure to act will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and further action in court. 

Thank you for your immediate attention to this matter.

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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received an offer for a State Farm XXXX US Bank credit card. The initial solicitation included an incentive of {$150.00} cash back if you spend {$500.00} on the card within the first 90 days. 

The card when received had all the benefits listed as in the initial solicitation encouraging one to apply, except for one the {$150.00} cash back offer. 

No surprise. Why would the bank want to remind customers of that benefit that depending upon the number of people who sign up and opt in for that benefit would result in the bank having to return a portion or charges to its newest customers?! 

I know this is peanuts with what your agency is working on before the XXXX XXXXXXXX XXXX the agency but thought to get this on record. 

Please also burn my submission so I dont go on the enemies from within list.

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 2024-11-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IDENTITY THEFT / FRAUD XXXX XXXX XXXX XXXX XXXX XXXX I AM, The Victim Of Identity Theft Fraud ; As, All Proof Of Documents Enclosed. As, I AM Responsible For Any And All Documents Submitted To Local, State, And Federal Law Enforcement Agencies ; As, The Following Documentation Is Included : FTC ; Police Report : Proof Of Law Enforcement Emails ; Identification. According To 15 US Code 1681, inaccurate data and information must be removed and deleted immediately ; and, in accordance of US Code 1681 1602p " UNAUTHORIZED USE OF CREDIT CARD " ; as, I DID NOT provide any lawful nor legal consent to establish accounts. Therefore, according to Federal Consumer Law, the enclosed accounts must be deleted immediately. Also, A Certified Notary Was Assigned To Verify My True Identity ... ...,

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 2024-11-13 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State ID ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning XXXX consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Bank : XXXX XXXX XXXX XXXX ( Open XX/XX/XXXX Account # : XXXX Account # : XXXX Routing # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Incident Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-13 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-11-13 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
On XX/XX/year> TransUnion Credit Agency accepted a fraudulent claim and posted private, personal and inaccurate protected health information regarding an unauthorized action by a 3rd party financial matter that was not signed by a judicial official & obtained from the State of NJ, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. This credit information obtained by both TransUnion & the false judgement creditor was false, inaccurate starting from the true & correct name/identity to the correct date of birth according to the Banking Laws. It also is an attempt at removing vital constitutional and financial rights such as who is the true beneficiary, who is the trustee, false assignments of executors etc. At its foundation all information obtained by the 3rd party TransUnion Credit Agency and the public/private agencies in NJ was based on a false registry documentation of my name and date of birth. In addition to that name being copyrighted. This is piracy, slander of title, false identification and copyright infringement aginst me ang my copyright protected persons and vessels. This has injuried me and my family. These identification documents are all being used as presumtive death documents and I am not dead. These actions are damaging to my estate.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.

Complaint narrative:
Hi, i use sofi banking as my bank and 7 months ago i have filed my taxes and got my refurnd from IRS. I was able to use the funds.

My cousin brother who stays in XXXX XXXX has filied his taxes and since he is on vacation he had provided the irs with my account number to recieve the tax returns once i recieved the tax income my account has been restriocted. and following that i have reached to the customer support more than XXXX times and they asked for any proof that he had mentioned my account for returns and i have submitted theb irs claim form where he has mentioned my account number they have verified and put my account under review it has been close to 6 months and it is still under review and i cant use my funds.

Since the account is frozen i was unable to recieve MY iRS state refund amount to the same account and i have reached the irs and they said that i have to check with bank.

So please help me to resolve this issue.

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with the following company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-11-13 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: GA

Complaint narrative:
My account with the following company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
NAVY FEDERAL HAS CONTIOUS CHARGE ME WITH EERNEOUS CHARGES FOR OVERDRAFT FEES. I AM A XXXX XXXX AND HAVE BEE FINED XXXX OF DOLLARS IN OVERDRAFT FEES DESPITE BEING IN THEIR OVERDRAFY PROGRAM. ITS GOTTEN TO THE POINT WHERE THEY TOLD EM THE ONLY WAY I WOUPDNT GET OVERDRAFTED IS IF I CREATED AND LINE OF CREDIT WITH THEM IN MY CHECKING ACCOUNT. WHICH I FEEL LIEK SHOULD BE WAIVED NOT ONLY FOR BEING AN XXXX XXXX MEMBER OR EVEN IF THEY DRAFTED THE MONEY THE DAY YOU MAKE THE PURCHASE INSTEAD OF WHENEVER THEY FEEL LIKE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief