vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by [ Name of Bank ] included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a [ negative item listed ] in [ month and year of listing ]. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX BANK ; XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone Number Not Available Inquiry Date XXXX XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Number : XXXX On Behalf Of : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Number XXXX Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX am unaware of ever having a these items from this list Please validate this information with XXXX and provide me with copies of any documentation associated with this Suntrust bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, 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 explanation
Consumer complaint received 2024-08-16 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:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-16 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: PA

Complaint narrative:
Im reaching out for your help concerning the incorrect account appearing on my credit report. This mistake has caused damage to my reputation, and I need your support. Due to the mismanagement of my credit report, Ive been deeply impacted, and my reputation has been tarnished. These errors must be addressed for the sake of my family 's well-being.

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 2024-08-16 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-08-16 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received XXXX unemployment benefits deposited onto my US bank reliacard. Initially the unemployment benefits were deposited into my XXXX account. Due to a policy change to receive benefits into your personal account the bank of your choice must have a physical branch in state of Ohio. 

XXXX is online bank only. 
I agree to have 2-3 weeks deposit onto my reliacard then to receive paper checks in the mail for rest of my benefits weeks till my XXXX bank account could be processed to receive unemployment benefits. 

Had to go out of town and my reliacard was in my safebox. My roomate during XXXX month spree stole my unemployment benefits by using XXXX to transfer of my reliacard to her own debit card. 

I contact XXXX unemployment office and they advised me to file a dispute with US bank. US BANK denied my dispute blaming me for theft.

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 2024-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX XX/XX/XXXX they notified me that my XXXX  accounts ( spend and save ) had been locked and send them a government issued ID, selfie of me holding the card, name, DOB, address, email address to lift the lock on my money accounts so I could close the account. 
I uploaded the data ( my TX Driver 's License, my XXXX XXXX ID Card, and all personal data ) via their provided link. Repeat, day after day all the way up to today. I replied to their emails asking for exactly why my account is locked and what I could do to get it unlocked and close my account. Only answer via email, chats, and phone conversations ended the same way, " we apologize but this is for your protection '' and " details remain at the higher level team handling your case ''. 
I noticed yesterday that they did state in the very first email as like an after thought, I could call ( XXXX ) XXXX and when asked why I'm calling to say " speak to the Resolution Team '' I did that yesterday, and they said they got my request to close my account and give them 10 days ( to XX/XX/XXXX ) to process the closing my account. Not recieved any confirmation of this via email and think it was just another way to delayclosure and hold onto my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX ( PREVIOUSLY DISPUTED ) ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT # XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT MULTIPLE TIMES 1.YOUR PROOF OF PROCEDURE OF INVESTIGATION WAS NEVER PRESENTED 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2.MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME THAT WAS NEVER PERMITTED BY ME 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies i have provided all information needed for this company to do a proper investigation .the company has failed to do proper investigation and it has been more than 30 days i have attached my IDENTITY THEFT REPORT as well also company stated in CFPB respond that the debt was sold to another company!

this is all false n misleading representation! USC 1692e BY FAIR CARES ACT LAW THE CREDIT BUREAUS XXXX XXXX AND TRANSUNION ARE I VIOLATION OF THE LAW ALSO XXXX XXXX, XXXX ARE IN VIOLATION OF FAIR CARES ACT LAW DELETE THIS FRAUD ACCOUNT NOW. THANK YOU XXXX XXXX Code XXXX - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, pocedure, and certification for payments 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 USC 1681 E ( B ) & 15 U.S. Code 1681c THIS ACCOUNT MUST BE DELETE ASAP

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 2024-08-16 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX ( PREVIOUSLY DISPUTED ) ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT # XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT MULTIPLE TIMES 1.YOUR PROOF OF PROCEDURE OF INVESTIGATION WAS NEVER PRESENTED 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2.MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME THAT WAS NEVER PERMITTED BY ME 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies i have provided all information needed for this company to do a proper investigation .the company has failed to do proper investigation and it has been more than 30 days i have attached my IDENTITY THEFT REPORT as well also company stated in CFPB respond that the debt was sold to another company!

this is all false n misleading representation! USC 1692e BY FAIR CARES ACT LAW THE CREDIT BUREAUS XXXX EQUIFAX AND XXXX ARE I VIOLATION OF THE LAW ALSO XXXX XXXX, XXXX ARE IN VIOLATION OF FAIR CARES ACT LAW DELETE THIS FRAUD ACCOUNT NOW. THANK YOU 15 U.S. Code 1681c2 - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, pocedure, and certification for payments 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

15 USC 1681 E ( B ) & 15 U.S. Code 1681c THIS ACCOUNT MUST BE DELETE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX ( PREVIOUSLY DISPUTED ) ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT # XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT MULTIPLE TIMES 1.YOUR PROOF OF PROCEDURE OF INVESTIGATION WAS NEVER PRESENTED 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2.MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME THAT WAS NEVER PERMITTED BY ME 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies i have provided all information needed for this company to do a proper investigation .the company has failed to do proper investigation and it has been more than 30 days i have attached my IDENTITY THEFT REPORT as well also company stated in CFPB respond that the debt was sold to another company!

this is all false n misleading representation! USC 1692e BY FAIR CARES ACT LAW THE CREDIT BUREAUS EXPERIAN XXXX AND XXXX ARE I VIOLATION OF THE LAW ALSO XXXX XXXX, XXXX ARE IN VIOLATION OF FAIR CARES ACT LAW DELETE THIS FRAUD ACCOUNT NOW. THANK YOU 15 U.S. Code 1681c2 - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, pocedure, and certification for payments 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 USC 1681 E ( B ) & 15 U.S. Code 1681c THIS ACCOUNT MUST BE DELETE ASAP

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score and report were visible on XXXX XXXX for months, but XXXX day it showed XXXX and stated I had no credit file. I contacted Equifax, and they informed me they couldnt verify my identity using the information I provided. They requested verifying documents, such as my drivers license and a bill with my name and address, etc. After submitting these documents, I was told I had no credit file. I explained that I did have a credit file and had a score of XXXX on XX/XX/year>, when I checked again on XX/XX/year>, it disappeared saying it went down XXXX points. At this point, I called Equifax. Equifax advised me to contact my creditors to check if they were still reporting. I did call the ones I know and was told there were no issues. When I called Equifax again, they instructed me to obtain a control number. However, I can not access my report, so XXXX cant contact all creditors or correct any of this information. Now, Equifax wont provide me with a copy of my credit report because they cant verify me over the phone, and when I try to create an account online to request the copy, it says I already have an account. I cant sign into that account because I didnt create it. Everyone I speak to refers me to the other party and vice versa. I believe my father used my identity to avoid paying child support and I am a victim of Identity theft. This was also relayed to all credit reporting agencies when I spoke with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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 ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 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

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 2024-08-16 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXXXX XXXX XXXX XXXX, XXXX HAS VIOLATED MY RIGHTS 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

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 2024-08-16 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: TX

Complaint narrative:
Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-16 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: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
On XX/XX/year> ( XX/XX/year>XXXX   ) Cross Country Mortgage ran a Hard inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which Cross Country Mortgage ran a hard inquiry for an FHA loan, then her company ran my credit again making that 2 hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend Cross Country Mortgage to me because he used this company for his VA home loan. I was told by Cross Country Mortgage they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on XXXX, XXXX, and XXXX be removed from my credit report for the following reasons : 1. This hard inquiry was Unauthorized.

2. This company gave out personal information to a third party without authorization.

3. This company refused to give me the results of the inquiry.

4. Cross Country Mortgage refused to remove hard inquires from All three ( 3 ) credit bureaus when requested. 

A. 1 inquiry on XXXX XX/XX/year>XXXX  B. 1 inquiry on XXXX XX/XX/year>XXXX  XXXX 1 inquiry on XXXX XXXX XX/XX/year> XXXX 2 inquiries on XXXX XX/XX/year>, XX/XX/year>XXXX  I have requested the APR and mortgage information 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a VA home loan I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a VA Loan Cross Country Mortgage should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA Loan and give up all the benefit 's a VA Loan has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX  to have my VA loan thrown aside because your employee made a mistake, a VA Loan is a lot better than a FHA Loan. It just doesn't make sense what your company tried to do.

Company response to consumer: Closed with non-monetary relief