vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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 open an account and deposit XXXX with a banker name XXXX. He says {$220.00} will be available and I have to wait for my debit card for the remaining balance. So in the meantime in order for me to access my funds I try XXXX XXXX Apparently during the week I also deposited a check for {$900.00} I don't know if that check bounced or what but I had funds to cover that {$900.00}. My account didn't go to overdraft. All of a sudden I can't access my funds or even sign on to my account I have a remain balance of XXXX I went into the bank numerous of times and XXXX said he has to call the guy who has my funds and find out what the guy did with it. I ask him what guy? He said the guy who close my acct. I don't understand how someone else can close my account with my consent and I'm the only authorized user on my acct. He told me he'll let me know when or if anything updates in the system.. Why are they treating me like I'm a criminal. My car broke down and with that money I had plans to buy a car. Without transportation I can't get to work and already got a warning which my result to me getting fired. With that money I had planned on buying a car so I can get to work. This is crazy. Today I got this letter in the mail something about my 1099 tax forms. What does my 1099 have to do with my balance. I don't know what to do at this point. US Bank in XXXX CA on XXXX XXXX has my money and apparently gave a guy permission to close my acct without my 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I noticed a company on my consumer report so I reported it as Identity Theft since I lost my bank card and didn't know what this charge was. None of the agencies did anything about it! XX/XX/XXXX I receive a letter stating they are a collection agency. I disputed the debt without proper validation of who and what the debt was for and to cease off my report until validation. They responded stating they needed 90 days to contact original consumer. It is still on my report.

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 — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
Indigo credit card showing 1 late payment reached out to the company to remove the late payments it has been almost XXXX years since the late payment appeared on my account It has been over 30 days and the creditor has not updated this information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they have 30 days to complete the investigation. and by failing to do so, the item must be deleted as soon as possible. 


In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states t have the right to privacy.15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
So late summer 2023 I was looking at options for my student loans due to all the new programs coming out. I was informed that due to the classification of my loans with XXXX that, they would need to be consolidated and I was told this by a 3rd party. I was surprised that XXXX did not reach out as a servicer letting their customers know of this issue with older student loans. I then started the consolidation process via https : //studentaid.gov and I was given the impression that the loans would go into deferment status during the process. However, the loans did not go into deferment and upon seeing the loans were reported to the credit reporting agency I contacted nelnet and applied for a deferment manually. The Loans are now consolidated and with another loan servicer, but my credit report is still showing XXXX accounts with XXXX that they reported XXXX  days past due. I have reached out by challenging the report and called them directly regarding this and they are dragging their feet and this is still adversely effecting me and need it 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 2024-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I have chargeoffs that are inaccurate amd a direct violation of my rights under 604 15 USC 1681 B XXXX. XXXX XXXX XXXX. Santander Finance .XXXX. XXXX XXXX XXXX XXXX ( XXXX accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MO

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. The following are the accounts that I wish to remove from my credit report :

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries and strongly suspect they are fraudulent. I request a comprehensive investigation and immediate removal from my credit report. Enclosed are supporting documents for your examination.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent out a dispute letter in reference to Macys account. I received no response. I sent out a Cease and Desist prior to XX/XX/XXXX and Macys representatives continued to call me. 
On XX/XX/XXXX I sent a letter to Macys Vice President & Assistant General Counsel disputing the same account and did not receive a response. 
On XX/XX/XXXX I wrote and email attempting to have this account closed due to macys error and the representative apologized and offered late fees to be removed. I asked again for the alleged debt to be validated and received no validation. 
On XX/XX/XXXX I sent a follow up email in reference to me and my telephone number being on the do not call registry since XX/XX/XXXX and received no response. In this letter I provided pictures of the numerous calls I received all hours of the say as well as the messages left. 
A few of the calls I was able to obtain were on the following dates : XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX and many other calls. All of these calls were after the Cease and Desist was sent as well as after my registry on the Do Not Call Registry on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My consumer rights 15 USC 1681B has been completely violated and I am requesting removal of the following Plz remove the follwing from my consumer report, INQ : 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, The following accounts : 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 did not sign any forms XXXX give my written consent to add these reports to my consumer report, as a result my rights as a consumer has been clearly violated, I am requesting the removal of these items within XXXX  days as mandated by the consumer law. 

Failure to do so will result in further action being taken, according to consumer law 15 usc 1681c2 I have incl my fie report id and ss crd along with my statement is attached, it is imperative to emphazie that my request to block was NOT made in error, nor was it based on a material misrepresentation.

I did NOT knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within XXXX  days or further action will be taken on my behalf and I will sue for character defamation.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My consumer rights 15 USC 1681B has been completely violated and I am requesting removal of the following Plz remove the follwing from my consumer report, INQ : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not sign any forms XXXX give my written consent to add these reports to my consumer report, as a result my rights as a consumer has been clearly violated, I am requesting the removal of these items within XXXX days as mandated by the consumer law. 

Failure to do so will result in further action being taken, according to consumer law 15 usc 1681c2 I have incl my fie report id and ss crd along with my statement is attached, it is imperative to emphazie that my request to block was NOT made in error, nor was it based on a material misrepresentation.

I did NOT knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within XXXX  days or further action will be taken on my behalf and I will sue for character defamation.

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 2024-03-14 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not authorize these inquiries and strongly suspect they are fraudulent. I request a comprehensive investigation and immediate removal from my credit report.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is a charged off account reporting with a balance the IRS Clearly defines a charge off as Gross or Ordinary income, and Income doesn't get Reported on the Consumer Reports which in facts makes your reporting of this account inaccurate

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 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00} or XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$150.00} or XXXX XXXX  Balance : {$150.00}, and XXXX XXXX XX/XX/2023.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00} or XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$150.00} or XXXX XXXX Balance : {$150.00}, and XXXX XXXX XX/XX/year>.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.

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: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Unknown accounts Fraudulent reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 non-monetary relief
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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They 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 XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am requesting assistance to resolve an issue I am having with the Navy Federal Credit Union. Navy Federal Credit Union is violating my consumer rights by reporting 2 negative accounts to my consumer report that was a result of Identity theft.I discovered fraudulent accounts that I did not initiate or authorize. This indicates that my personal information has been compromised and used without my consent. I have submitted multiple disputes to get this resolved with no results. Attempts to get this resolved include multiple disputes to the Navy Federal, all major credit reporting agencies and Consumer Financial bureau. I had also filed a FTC identity theft report along with a police report. 

Account Number : XXXX Account Number : XXXX

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