vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : TransUnion Consumer XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Place a Security Freeze and Suppress Sharing of Information Dear TransUnion Consumer XXXX, XXXX, I am writing to initiate a request under the Fair Credit Reporting Act ( FCRA ) Section 605A [ 15 U.S.C. 1681c-1 ] to place a security freeze on my credit profile and to suppress the sharing of any information related to my identity. I do not consent to, nor do I authorize, the sharing of my personal or credit information with any third parties, including data aggregators seeking to collect information about me. 

I further request the removal of my credit file and associated personal information from your data institution. Below are my detailed requests : 1. Provide My Full Consumer File Disclosure : Please provide a complete overview of my consumer file, including the set of documents, procedures, and any credit information associated with my name, addresses, or other identifiers listed in this letter. 

2. Place a Security Freeze : Immediately place a security freeze on my credit profile and suppress the sharing of any of my information with other parties unless expressly authorized by me in writing.

3. Confirm Completion of My Requests : Once the security freeze is completed, kindly confirm in writing within five ( 5 ) business days. This confirmation should include the details of the security freeze and the necessary information to verify the suppression of my credit profile and data. 

Personal Information : Full Name : XXXX XXXX Social Security Number : XXXX XXXX Addresses : Current Address : - XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Thank you for your prompt attention to this matter. Please confirm the completion of these requests in writing and address all correspondence to my current address provided above. 

Sincerely, 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Michael J Adams PC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am seeking assistance regarding an urgent matter that has impacted my bank account, specifically involving Michael Adams XXXX XXXX and XXXX XXXX. I have reached out to request information about the account related to this issue, but I have yet to receive any details. Unfortunately, due to this unresolved situation, my bank accounts have been frozen, which has put me in a difficult position. I would appreciate guidance on whom I should contact to resolve this matter promptly. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification. You must block and delete these fraudulent accounts from my consumer report within 4 business days.

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 2024-11-24 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:
Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification. You must block and delete these fraudulent accounts from my consumer report within 4 business days.

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 2024-11-24 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This Company is attempting to collect a debt that does not belong to me. Delete this account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My father opened an account for me at Regions bank, to be able to send money to me effortlessly, and to learn money management. Fast forward to XXXX he ask for my account details, he planned on sending me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I give him the banking details, my account and routing number. The next day, he tells me hes sent the money, he got an email confirming this, and I should have gotten the deposit instantly. I never got it, and yet, the money is missing from his account. I call my bank, and they have no info to give me. His bank, XXXX XXXX, wont tell him anything regarding the matter, and they tell him the money was sent. Two weeks later, XXXX is still missing from his account, I still havent gotten a deposit, and nobody knows where this money disappeared to mysteriously. Might I add, this has happened to my father on other occasions, and its never enough money that he gets upset. This time around, I am upset considering I was supposed to be the one receiving it. Dont know what else to do or who to tell regarding this missing deposit of 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 2024-11-24 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: OH

Complaint narrative:
I am writing to formally request an investigation into certain inaccuracies I have identified in my credit report. I recently obtained a copy of my credit report from your bureau, and I believe there are several entries that do not accurately reflect my credit history. On the following Account XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you conduct a thorough investigation into these discrepancies. 

Please confirm receipt of this letter and let me know the outcome of your investigation within the timeframe allowed by law. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.

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 2024-11-24 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: OneMain Finance Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANNER CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX 2024, XXXX  XXXX XXXX Credit card department sent via usps mail a check for {$900.00} to Banner Bank credit card payment address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX as listed on the statement in a transaction called a Balance Transfer. To this date there is no whereabouts of the check. I called Banner Bank numerous times inquiring about the transfer of money to my banner bank credit card acct. The problem is : I never get a supervisor or any person in authority to resolve the matter. I was disparage over the phone and at the bank branch by banner bank employees and or reps while given many different and controversial statements. Banner Bank reps consistently stated they did not comprehend what a balance transfer was. I was also referred to a document that was sent to my email and at the branch that was supposed to resolve but the document is only a transfer from banner bank to another bank ; the document does not allow for banner bank to accept incoming balance transfer from another bank to theirs. I was giving another address to have XXXX XXXX XXXXXXXX send another check to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is not listed on the statement, no other banner bank rep had knowledge of XXXX and had never heard of it while one banner bank rep stated the XXXX address was the correct one ; and another rep suggested BOA fax over a copy of the front and back of the check they sent out XX/XX/year>2024. However banner bank does not accept digital credit card balance transfers as other financial institutions do in 2024. At this point, Banner Bank is not trying to resolve my XXXX  balance transfer because they want that interest payment. Please help this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Please see the attached word document for this text below as well as the relevant screenshots of the rewards missing ( ~ {$750.00} each on two accounts ) Dear CFPB Team, I am writing to formally lodge a complaint against US Bank regarding the unresolved disappearance of points from my XXXX XXXX XXXX  : the US Bank XXXX XXXX XXXXXXXX ( central billing acct XXXX ) the US Bank XXXX XXXX XXXX XXXXXXXX ( central billing acct XXXX ) I had met the initial spending requirements for the bonuses ( XXXX for XXXX and {$750.00} for the other ). 
Upon initiating a central billing account change for streamlined management, I was assured that my rewards points would remain intact. However, XXXX points from each XXXX in totaldisappeared after the change. Following this, I reached out to US Bank, where I was informed that this is a known issue at US Bank when trying to move away from a XXXX XXXX account but the points would be reinstated within XXXX statement cycles. However, even after this time period ( now XXXX cycles ) has passed, the points remain missing. 
I have attached the following documentation as supporting evidence : 1. Screenshots of account balances before the central billing change, showing the points accrued in each account.

2. Documentation of recent statements or account summaries showing the missing points balance after the central billing conversion. 
This appears to be a general known system issue that US Bank is known to have but one where the bank does not generally pay attention to. I would appreciate the CFPBs assistance in facilitating a resolution with US Bank and ensuring that the missing rewards points are restored to my accounts as promised. 
Thank you for your attention to this matter. US Bank has offered great products, but its just a case of needing some help from CFPB to push them to fix some archaic systems. Causing this issue. 
Sincerely, XXXX XXXX For the screenshots, ensure they include : 1. Account balances or rewards summaries showing the original points for both the US Bank XXXX XXXX and XXXX XXXX accounts. It looks like the points associated with these accounts had been wiped out. 
Screenshot for Business XXXX XXXX ( {$760.00} ) this can still be found when clicking rewards in the central billing account XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) this can be found when clicking in the central billing account XXXX Recent statements associated with these accounts. I believe that after a statement it looks like new points are posting properly, but Ive yet to redeem any points until I can get US Bank to look into the system and resolve the overall issue so its easier for them to reconcile.

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 2024-11-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute several inaccuracies I have identified related to accounts associated with Affirm that are appearing on my consumer report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to request validation and detailed information regarding these accounts.

The following account numbers are in dispute : XXXX XXXX XXXX Specifically, I am requesting that Affirm provide the following information : Verification of Debt : A detailed breakdown of the alleged amounts owed for all accounts, including principal, interest, fees, and any additional charges.

Original Creditor Information : The name, address, and contact information of the original creditor for each account if the debt was transferred or sold to Affirm.

Proof of Authorization : A copy of the signed agreement or original contract for each account that allegedly obligates me to pay.

Ownership Documentation : Evidence that Affirm , Inc. has the legal right to collect these debts, including proof of assignment or purchase of the accounts.

Details of Reporting : A full accounting of any information reported to consumer reporting agencies for each account, including dates and statuses of reporting.

Until the requested information is provided, I request that Affirm immediately cease all collection activities and ensure that any reported accounts reflect their disputed status in compliance with federal law.

If these accounts can not be validated, I demand their immediate removal from all consumer reporting agencies. This letter is not an admission of liability for any alleged debts and is being sent solely to ensure the accuracy and validity of the information being reported.

You have 30 days from the date of receipt of this letter to respond and provide the requested information. Failure to comply may result in further actions, including arbitration or other remedies, to protect my rights.

Please mail all correspondence regarding this matter to my address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I've had several unauthorized transactions made from my mobile bank account, that were not myself. I have contacted my bank, ( Ally Banking ), several times. Almost every other day since the transactions have been made. They have yet to help me get any kind of my money back, it all added up to be around {$8000.00}. I've done everything, step by step that they have asked and what was required to do since I noticed my money started going missing. Please help me! 
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 2024-11-24 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-11-24 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint I Filed an FTC identity theft affidavit to report 15 fraudulent accounts apeearing on my consumer XXXX XXXX credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 non-monetary relief