vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I am the trustee of a trust. I had a bank account, as trustee of the trust, with OneWest  Bank that was taken over by First Citizens Bank. Last year First Citizens Bank started charging me {$50.00} per month in account fees which they had never charged before and when I asked for documentation they did not provide it. Additionally they did not send me the required federal tax form IRS interest statement for the reportable interest for the account. I asked for the tax document to be made available in the online digital banking platform repeatedly. I asked via the online chat function multiple times over the course of weeks and I asked over the telephone talking to multiple different representatives. The bank refuses to make the tax information available online and insists that my only option is to order an extra copy at an extra charge on top of the {$50.00} per month in account fees to have it mailed to me which would take XXXX business days. The bank did this even though it knew I was facing an XX/XX/XXXX tax filing deadline which is why I was asking for several weeks in the run up to that deadline for the information to be provided. This bank is charging me unreasonable and unsupported account fees and refusing to make federally required tax documentation available to me via the online banking platform at all and won't even mail it to me without charging me more outrageous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
I was in the process of buying a car when I discovered my credit profile had been compromised as it has been in past. I took note of the inaccurate information and submitted this information to the Transunion credit bureau. I recently received a letter from Transunion stating that inaccurate information would remain on my report. I am now resubmitting the same information with the additional ask of the investigative process that was used concerning my credit profile.

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 2024-04-30 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am unable to reset my Apple ID password due to the recovery feature being enabled. I was informed Id still have access to the card.apple website to manage my credit card, however Im unable to sign in because Im unable to reset my password. In order to gain access to the recovery key I need the password, in order to reset the password I need the recovery key. Despite being okay with losing a few hundred dollars worth in movies, tv shows and books I find it hard to believe that there is no way around the recovery key to reset my password to gain access to the credit card portal. I have access to the email set up as the recovery email, I have access to the phone number linked to the account in order to receive the MFA code and I can provide proper identification to verify my identity. The lack to help the consumer recover their account when needed shows the lack of willingness to work with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

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 15 USC 1681. 

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 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 2024-04-30 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 XXXX XXXX XXXX. 




XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2022 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 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 2024-04-30 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: NC

Complaint narrative:
I never gave any kind of consent for these agencies to pull my credit report and they are fraudulently reporting this information defaming my character and causing harm to 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 explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
I was victim of identity theft on XX/XX/XXXX i am going to supply you local police report and online identity theft report.Somebody stole my identity they open up some credit card accounts some telephone accounts.They are damaging my credit and they are not my accounts.Here are the details of negative items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ). 
XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX. 
I need your help to remove these negative accounts from my credit report. I need to buy home very badly. I can not get mortgage because of these negative items.

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 2024-04-30 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: CT

Complaint narrative:
COMPANY : XXXX XXXX FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} I CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT XXXX XXXXXXXX DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING XXXX XXXX REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE XXXX XXXX REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH XXXX XXXX WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE XXXX XXXX REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE CYBER ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM XXXX XXXX IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT INFORMATION TECHNOLOGY AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: IN

Complaint narrative:
PLEASE BLOCK AND REPORT Kindly take urgent measures to remove the unauthorized inquiries from my credit report, as they are causing me significant distress. I did not approve or initiate these accounts, and it is unjust for me to be held responsible for them. I urge you to promptly address this issue.

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 2024-04-30 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: OLIPHANT FINANCIAL, LLC
State: AL

Complaint narrative:
On XX/XX/2024 I disputed any accounts with Oliphant in writing to XXXX and XXXX. I asked the credit bureaus to contact Oliphant and either obtain a signed contract with this company or to delete the account from my credit reports, as it is adversely affecting my credit and preventing me from obtaining new credit. 

On XX/XX/2024 I filed a complaint against Oliphant with the XXXX of XXXX, Florida ( XXXX Florida ) because Oliphant had not provided a copy of any contract I have ever had with them. Within a few days, the account had been removed from my XXXX credit report. However, as of this complaint ( XX/XX/2024 ) the account is still being reported to XXXX AND Oliphant has continued to call my telephone and leaving messages. 

On XX/XX/2024 I filed another dispute through the dispute feature in the XXXX XXXX and through XXXX XXXX, once again asking for a signed contract proving I have had a business relationship with Oliphant or have the account removed from my XXXX account. It has been OVER 30 days since the last dispute was filed and I'm now reporting Oliphant for multiple violations of the Fair Credit Reporting Act. At this point, I will not accept any information from Oliphant since it has been since XXXX that I have requested such information and they have had more than ample time to provide it. At this juncture, the only resolution to this issue with Oliphant is to have them XXXX ) Remove the account XXXX from XXXX and XXXX ) Cease calling me immediately. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio XXXX XXXX is attempting to collect a {$710.00} debt that is not mine. I have tried contacting them at the end of last year about this and it still has not been removed from my credit report. I've included proof from my XXXX XXXX latest credit consumer report that includes every single XXXX XXXX card on my Consumer Report there are XXXX of them. There is not one XXXX XXXX on my XXXX Report that is remotely near or resembles the debt of {$710.00} and the time frame that they said it was opened on my XXXX Report. I have XXXX XXXX XXXX listings on my Consumer Report XXXX are open and in good standing, and XXXX are closed XXXX with a past due amount of {$110.00} and the other with a past due amount of {$430.00} that was just closed XXXX The other XXXX XXXX XXXX accounts are still open so it couldn't be the one that they are claiming has been sent to collections it would have to be XXXX of the other XXXX and if you can see by the examples that I have sent it is neither of those those, there is no other XXXX XXXX charge off or listing that coincides with this debt collector 's false charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please remove these inquiries? I'm not familiar with them, and the company initiated them without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the account XXXX XXXX XXXX XXXXXXXX i am asking you to verify as accurate

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 2024-04-30 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove the unauthorized inquiries from my credit report, as they were not initiated or approved by me and are causing me significant distress. It is unjust for me to bear responsibility for these accounts, and I implore you to promptly address this issue.

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 2024-04-30 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: NM

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 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief