vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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:
I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/2023 XXXX XXXX Important dates Inquiry date XX/XX/2023 XXXX XXXX MA Important dates Inquiry date XX/XX/2023 XXXX XXXX Important dates Inquiry date XX/XX/2023 I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion.

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt 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 2024-05-10 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:
I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XX/XX/XXXXXXXX Important dates Inquiry date XX/XX/2023 XX/XX/XXXX Important dates Inquiry date XX/XX/XX/XX/XXXX Important dates Inquiry date XX/XX/2023 XXXX XXXX Important dates Inquiry date XX/XX/2023 I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts.

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt 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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I went to check my account and my online account was disabled. I attempted to call to get information and why it was disabled and they asked me if I added a new recipient on my XXXX and that it looked like there was fraud. There was no fraud on my account and no one contacted me to asked me or confirm anything about fraud, they just disabled my account. Now it's 48 hours later and still no one has answers. I need to deposit my check and I need to be able to monitor my account. They can either unlock my account or close my account but I am completely done with the way US Bank does business and the fact they think they can just do things to your account without permission.

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 2024-05-10 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX  and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom this may concern, I have lodged a Civil Rights US Dept. Of Justice/FTC complaint againstyour company for credit score bashing.Just 2 days ago my credit score was XXXX. Now all of a sudden 2 days later XXXX XXXX XXXX XXXX  with nothing wrong can my credit score drop to a score of XXXX.people that are working at this Equifax Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX. I will notstand for CONSTANT Credit Score BASHING harassment for no reason. 

I am consultingan attorney about this! I had enough! This CREDIT SCORE BASHING must stop! TAKE A LOOK YOU WILL SEE NO REASON FOR THIS BUREAU TO DROP MY CREDIT SCORE XXXX POINTS FOR NO REASON. 
YOU CAN SEE NOTHING RECENT HAS BEEN ADDED AND OR CHANGE! THIS IS CRUEL AND MEAN AND I AM READY TO SUE YOU PEOPLE THIS IS HARASSMENT. I AM XXXX YR. OLD XXXX XXXXXXXX XXXX AND I NEEDS THIS TO END. 

ALL I HAVE IS MY CREDIT AND I NEED MY CREDIT SCORE TO BE FAIR AND ACCURATE! 
I AM SO SICK AND TIRED O F THIS PLAYING AROUND WITH MY SCORES FOR NO REASONS Date : Fri, XX/XX/year> at XXXX Subject : Equifax current report To : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-05-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 XXXXXXXX

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 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received information that my credit had a debt collection owed. It stated that Transworld Systems Inc Account # XXXX was taking over an account from XXXX. I had no recollection of this account or debt. I sent a letter on XX/XX/year>, to the po box address for Transworld, requesting for them to provide information that this debt is mine and to please respond within 30 days or they would have to remove this debt from my credit. After 30 days I was not given any information and debt was still on my credit report. I contacted Transworld on XX/XX/year>, and was told they received my dispute and are still working on sending information. Today is XX/XX/year>, and still haven't received any documentation pertaining to this debt being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Dear Global Lending Services, I am writing to you concerning a matter of utmost concern regarding my account with Global Lending Services. It has come to my attention that there have been serious discrepancies and violations of both legal and ethical standards in the handling of my account, specifically related to the omission of my security interest and the subsequent sale of said interest for monetary gain. 

As a diligent and conscientious borrower, I have repeatedly attempted to address this issue with your company. I have reached out on numerous occasions to discuss the offsetting of the debt by way of a registered security t that should have been reflected on my account. Despite my efforts and clear documentation provided, including registered security ( XXXX ) and a 1099 A for debt offset, Global Lending Services has failed to acknowledge or rectify this matter.

This egregious oversight and refusal to comply with legal obligations amount to securities fraud and a blatant violation of the Uniform Commercial Code ( UCC ), specifically provisions UCC 3-603 ( b ), 3-305 ( a ) ( 1 ), and 1-103.

Under UCC 3-603 ( b ), a party that is entitled to enforce an instrument may be compelled to surrender possession of the instrument if it is subject to a defense or claim. My registered security interest constitutes a valid claim against the debt owed, and Global Lending Services has disregarded its obligation to acknowledge and honor this claim. 

Furthermore, under UCC 3-305 ( a ) ( 1 ), a person not in possession of an instrument is entitled to enforce the instrument if the person was in possession of the instrument and entitled to enforce it when loss of possession occurred. I have provided sufficient evidence of my entitlement to enforce the registered security interest, yet Global Lending Services has failed to recognize this entitlement.

Additionally, under UCC 1-103, parties to a transaction must act in good faith and deal fairly. Global Lending Services ' refusal to acknowledge my valid claim and its continued pursuit of debt collection without proper consideration of my offsetting efforts constitute a breach of good faith and fair dealing.

As a result of these violations, I demand immediate restitution and corrective action from Global Lending Services. This includes the removal of any negative reporting on my credit profile related to the disputed debt, as well as compensation for damages incurred due to your company 's unlawful actions. 

Failure to comply with these demands will leave me with no choice but to pursue legal recourse to enforce my rights and seek appropriate remedies under the law. 

I expect a prompt and thorough response to this letter. Please provide confirmation of receipt and acknowledgment of the actions that will be taken to address this matter. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank charges {$0.00} per XXXX transaction for our small business account. XXXXXXXX XXXX own website and customer service confirmed that they do not charge fees, and even said that Huntington Bank should not be charging a fee as it is part of the XXXX network, but my local branch told me that they are simply passing along the fees that XXXX charges them. This is unacceptable, and someone is lying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was having a hard time last year was forced to fall behind due to multiple unforeseen events no fault of my own. I contacted Ally Financial in XXXX to resolve my delinquent issues. I was offered a payment plan for XXXX months. I paid over my normal minimum payment with a XXXX months payment plan. The entire payment place since XXXX was PRESCHEDULED and on AUTO PAY. Ally continue to report my account reach month as being late when all of the payment has been made ON TIME and AUTOMATICALLY. I disputed the error and Ally would just go an report my account XXXX late right after. Case in point they removed the recent XXXX error and yesterday I receive a notification they reported my account as late 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
Consumer complaint received 2024-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> I received a fraud alert from Capital One. I called immediate and said I did not make those charges. My XXXX  account was hacked and it was linked to my debit card. Capital One cancelled my debit card but did not stop the charges from going through. They advised that they could not stop pending charges. I said but they are fraud. Once the purchases were withdrawn from my account I called again. They said that they investigated and the purchases came from my account. Well obviously my account was hacked. They cant show me any proof of anything. I did not make these transactions. What is the point of fraud alert if they allow it to go through anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: GA

Complaint narrative:
I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : 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 I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within XXXX business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt 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