vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
in accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4 15 U.S.C 1681 section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A : Staes a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer report containing any of the following items of information any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s- 2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
in accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 
. ) XXXX XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX # - XXXX XXXX. ) XXXX web XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) FB & T/ Mercury- Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Bank XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX U.S.C XXXX section XXXX A : States I have the right to privacy XXXX XXXX XXXX Section XXXX A : Staes a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make consumer report containing any of the following items of information any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX ( A ) ( XXXX ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-05-17 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I sent a certified letter to PORTFOLIO RECOVERY on XX/XX/2024, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/2024 I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: MD

Complaint narrative:
Please remove hard inquiries 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I carry a GM MasterCard from Goldman Sachas Bank XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX without my contest their system enrolled me in paperless statement as a result of that I missed my payment twice ( XXXX & XXXX 2024 ) since I never received any paper statement, they reported me to all XXXX Credit Bureaus which made my XXXX XXXX XXXX XXXX XXXX to XXXX, I reached to them twice to ask them WHEN & HOW I asked for paperless statement, they replied that I agreed to it ( WHICH I NEVER DID ) but they failed to let me know when and how I did that if it is true also they sais that they emailed me ( I never check my email ) I always depend on the paper statement to pay off my Credit Card XXXX XXXX of this over a lousy {$35.00} even though I had excellent payment history with them and all my other credit cards, they also charged me {$29.00} late fee for their wrong doing I paid my account in full once I found out that I was late ( By Accident ) even the Credit XXXX told me they can reverse their negative action in you have in the past excellant payment history once again I NEVER ASKED FOR PAPERLESS STATEMENT their system did that and that is why they don't tell me when and how I did that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: OK

Complaint narrative:
I have repeatedly asked the Credit Bureaus Transunion, XXXX, and XXXX to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.

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 2024-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Approximately XXXX XXXX XXXXs my first ex husband XXXX from XXXX and the other half is mine which should have been paid by my great grandparents XXXX XXXXXXXX I have documents to submit to prove this debt should be noted paid off and transferred to the other loan holder

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, Frost Bank had contacted me and told me there was an overdraft on my account due to bounced checks and money sent via XXXX, XXXX, and XXXX. I always check my bank account at least twice and day and noticed nothing out of the ordinary. When I checked today, I realized that I was scammed by someone online, who promised me {$500.00} for art that I do. He had verified clients who supported his claim and he sent me checks for {$2500.00} and then spread that money out to his partners. I told them what had happened and to conduct an investigation, but Frost said that their XXXX XXXX would contact me later so that I could pay them back for the overdraft. I even asked them to close my account but they said that they would do it for me in XXXX. I also told them that I didn't sign up for overdraft but they said that I owe them money and that they won't reimburse anything even though XXXX and the other apps now have a policy that allow them to reimburse money that was sent through their services. I have filed a police report against the scammer but Frost Bank is unwilling to compromise with me even though I was the victim. I have never been treated like this in the 10 years that I have been with them. I have always stayed above the minimum balance limit to avoid the fee and I pay bills early and have good credit. I have sought advice from my parents, colleagues that were former bank tellers and other local police officers and they all agreed that the bank should reimburse me and not bear the burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I have been a victim of identity theft. Someone used my personal identification to apply for internet service without my permission or knowledge. They attemted to start internet service with XXXX but I shut it down. Now the company has reported me to collections for a service that has never been started. They are trying to charge me {$100.00} for accont that was opened fraudulently. This is not my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: AZ

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 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: AZ

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 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:
Consumer Financial Protection Bureau XXXX XXXX Fair Lending and Equal Opportunity XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to express my deep concern regarding the systemic biases inherent in the XXXX scoring system used by major credit bureaus, including TransUnion, XXXX, and XXXX. This biased system perpetuates XXXX XXXX  and unjustly penalizes marginalized groups. 

Despite maintaining a XXXX XXXX in the XXXX and demonstrating responsible financial behavior, such as timely payments, low credit utilization rates, and no outstanding collections, I recently experienced a sudden and inexplicable drop of XXXX points in my XXXX XXXX. This arbitrary decrease undermines the integrity of the credit scoring process and unfairly limits economic opportunities for individuals like myself. 

It is unacceptable that private, for-profit companies prioritize financial gain over fair and equitable credit XXXX XXXX The current credit scoring model not only perpetuates XXXX biases but also punishes individuals for responsible financial management, such as paying off debt or closing accounts. 

This unjust system exacerbates economic inequalities and perpetuates cycles of debt within marginalized communities. Therefore, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the XXXX XXXX XXXX ( XXXX ) and major credit bureaus to address these systemic issues and ensure fair access to credit for all individuals. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take decisive action to rectify these injustices and uphold principles of fairness and equality in financial services.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX Fair Lending and Equal Opportunity XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to express my deep concern regarding the systemic biases inherent in the XXXX scoring system used by major credit bureaus, including XXXX, Equifax, and XXXX. This XXXX XXXX XXXX XXXX XXXX and unjustly penalizes marginalized groups. 

Despite maintaining a credit score in the XXXX and demonstrating responsible financial behavior, such as timely payments, low credit utilization rates, and no outstanding collections, I recently experienced a sudden and inexplicable drop of XXXX points in my credit score. This arbitrary decrease undermines the integrity of the credit scoring process and unfairly limits economic opportunities for individuals like myself. 

It is unacceptable that private, for-profit companies prioritize financial gain over fair and equitable credit XXXX XXXX The current credit scoring model not only perpetuates XXXX bXXXXases but also punishes individuals for responsible financial management, such as paying off debt or closing accounts. 

This unjust system exacerbates economic inequalities and perpetuates cycles of debt within marginalized communities. Therefore, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the XXXX XXXX XXXX ( XXXX ) and major credit bureaus to address these systemic issues and ensure fair access to credit for all individuals. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take decisive action to rectify these injustices and uphold principles of fairness and equality in financial services.

Company response to consumer: Closed with explanation