vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: MS

Complaint narrative:
Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found. XXXX  XX/XX/XXXX {$260.00} Account # XXXX, XXXX  XX/XX/XXXX {$270.00} Account # XXXX, XXXX XXXX XX/XX/XXXX {$49.00} Account # XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

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 2024-12-03 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: GA

Complaint narrative:
Multiple inquiries were made on my behalf without my consent, I have no idea how they ended up on my report. I'm entitled to fair and accurate repotting according to the fair credit reporting act. please help rectify this any way possible. 
Inquiries Listed : 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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
As a card member for over 7 years, my account was closed with my knowledge. 

During my many many attempts to get a resolution, the company continued to keep me on hold over 2hrs and talking to 7 different areas, no one could tell me when i was going to get my deposit refunded. 

Keep in mind that they have had my deposits of $ XXXX, gainfully earning interest that I will never get. I can not afford to wait for them to figure this out and Im asking, no, begging someone to help intervene.

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 2024-12-03 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:
I am writing to formally notify you that I am a victim of a data breach that has compromised my personal and financial information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX called to collect debt on a Macys CC. The initial balance was XXXX but they were unable to reach me and had all wrong information on file. I called them at XXXX to settle at that amount and they are requiring me to pay XXXX. I refused as I never got any correspondence till recently regarding this. They updated my address and communications and filed a dispute with Citi bank. I would like to escalate this as it is affecting my Credit.

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 2024-12-03 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: LEXISNEXIS
State: AL

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 non-monetary relief
Consumer complaint received 2024-12-03 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: UT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I am a victim of a data breach that compromised my personal information. These accounts and inquiries are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-03 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I am a victim of a data breach that compromised my personal information. These accounts and inquiries are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-03 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:
I am a victim of Identity Theft following the data breach involving Equifax. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/year> Equifax publicly reported a significant data breach that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan opened at XXXX XXXX XXXX  on XXXX, a personal auto loan opened at XXXX XXXX XXXX on XXXX, a residential lease opened at XXXX XXXX XXXX XXXX XXXX XXXX, a personal phone opened at XXXX XXXX XXXX XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX, a cable utility account opened at XXXX XXXX XXXX on XXXX, a gaslight utility account opened at XXXX XXXX XXXX on XXXX and hard inquiries with XXXX XXXX XXXX on XXXX and XXXX, with XXXX XXXX  on XXXX and XXXX and with XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, with XXXX XXXX on XXXX, with XXXX XXXX XXXX XXXX XXXX and XXXX, and lastly with XXXX XXXX on XXXX and XXXX demand that the aforementioned fraudulent items be removed from all 3 of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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 am writing to formally dispute the derogatory information reported on my credit report for the following XXXX  XXXX accounts, which I believe to be inaccurate and outdated : Account # : XXXX Account # : XXXX Issues with the Reporting : Inconsistent Information : The accounts are listed as " Paid '' but still reflect " Collection/Chargeoff '' statuses, which contradicts their settled and paid status. 
These discrepancies violate the accuracy requirements outlined under FCRA 623 ( 15 U.S.C. 1681s-2 ).

Harmful Reporting After Settlement : The accounts were " legally paid in full for less than the full balance, '' and the continued derogatory reporting unfairly impacts my ability to secure credit products.

According to FCRA 605 ( a ), derogatory information must be accurate, complete, and not misleading.

Failure to Update Payment History : Payments made prior to charge-off are not accurately reflected, which violates the FDCPA 807 ( 15 U.S.C. 1692e ) against false or misleading information.

Harmful Comments : Comments such as " Unpaid balance reported as a loss '' and " Account legally paid in full for less than the full balance '' create an unnecessary negative perception, despite my compliance in resolving 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 explanation
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
I am writing to formally dispute the derogatory information reported on my credit report for the following XXXX  XXXX accounts, which I believe to be inaccurate and outdated : Account # : XXXX Account # : XXXX Issues with the Reporting : Inconsistent Information : The accounts are listed as " Paid '' but still reflect " Collection/Chargeoff '' statuses, which contradicts their settled and paid status.

These discrepancies violate the accuracy requirements outlined under FCRA 623 ( 15 U.S.C. 1681s-2 ).

Harmful Reporting After Settlement : The accounts were " legally paid in full for less than the full balance, '' and the continued derogatory reporting unfairly impacts my ability to secure credit products.

According to FCRA 605 ( a ), derogatory information must be accurate, complete, and not misleading.

Failure to Update Payment History : Payments made prior to charge-off are not accurately reflected, which violates the FDCPA 807 ( 15 U.S.C. 1692e ) against false or misleading information.

Harmful Comments : Comments such as " Unpaid balance reported as a loss '' and " Account legally paid in full for less than the full balance '' create an unnecessary negative perception, despite my compliance in resolving the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I am filing this complaint to request the removal of inaccurate late payments and correction of non-reporting issues on my credit account ( # XXXX ) with XXXX, as reflected on my credit reports from XXXX, Experian, and XXXX. Late payments are inaccurately reported for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite these payments being made on time, as evidenced by my attached payment records. Additionally, several months of payment history are missing across all three bureaus ( e.g., XXXX and XX/XX/XXXX, among others ), which violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 605 ( a ), as it results in incomplete and misleading information. There are also inconsistencies in the reported " Date Last Active '' and account classifications between bureaus, raising concerns of potential re-aging ( 623 ( a ) ( 5 ) ) and overall inaccuracy ( 611 ( a ) ). These inaccuracies and omissions have harmed my creditworthiness and caused undue stress. I request the removal of all late payment entries, correction of non-reported months, and an investigation into these discrepancies to ensure compliance with FCRA standards. Attached are supporting documents, including bank statements and screenshots of the inconsistencies. Thank you for your 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 2024-12-03 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: SC

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-03 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: PA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA
State: DC

Complaint narrative:
I applied for a credit card through XXXX XXXX. The application was forwarded to First National Bank of Omaha. Who they called to verify some information. They asked me over the phone to share a copy of my ID and SSN card. I asked them if they would share a secured link to share my document. They said no. They provide an email to send the documents. Again, I told them that I'm not comfortable sharing my ssn card over email. A day later, they called me to send it. I called the bank to verify if it's the standard procedure. After a long call, they said it was. I contacted CFPB to double-check if it is the standard procedure, to which they said no. The requirement is only for the SSN, not the physical card.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I opened a savings and a checking account with Everbank. At account opening, I deposited {$100.00} into each. I never had a chance to set up direct deposit so never used the account, but did activate our debit cards. I finally deposited find and have been unable to use the debit card or access even a {$1.00} of funds. I just called them and they told me they'd not yet gotten around to verifying my account so they will not release any funds. I asked to be transferred to someone else and their representative, XXXX, explained to me that she didn't care much that it's been 60 days since I put money in it. Their team would try to get back to me in 2-3 business days, leaving my family with literally thousands of dollars but completely broke. This is absolutely devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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