vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: OH

Complaint narrative:
The List of accounts below has 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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-03 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-09-03 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Dear Chex Systems Inc, I am having trouble obtaining a copy of my consumer report, when trying to logon to my consumer portal account USERNAME : XXXX CONSUMER ID:XXXX, in order to review my consumer file. I am met with an error code XXXX. I spoke with an agent from Chex Systems , INC over the phone at your phone number XXXX, on today, who after placing me on hold for about an hour, said that there was a block placed on my consumer file and that he would not be able to remove it. So after not being able to get the block remove from my online portal, I attempted to request a copy of my consumer report via mail. I explained to him that I had been a recent victim of identity theft, and I wanted to go over all of the addresses on my file to for accuracy and the protection of my identity. He then stated that pursuant to the Fair Credit Reporting Act, that he wouldnt be unable to share or update my address on my file over the phone. This is untrue, as I have verified my identity with him over the phone previously. He then stating that a copy of a consumer disclosure report will be mailed out to the address on file. I do not have a clue what address is on file my with Chex Systems as I stated I have been a recent alleged identity theft victim and I have moved my address recently, so that consumer disclosure could be in the hands of anyone. 

Demand to Action, In order to avoid this situation in the future, I demand you remove the hold that have been place on my Chex Systems portal USERNAME : XXXX CONSUMER ID:XXXX, in order for me to promptly review and update my personal information and request consumer disclosures. 

Id appreciate your prompt attention in this matter and kindly request a response to this issue at your earliest convenience

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 2024-09-03 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: FL

Complaint narrative:
REMOVE THIS IMMEDIATELY or UPDATE to PAID/NEVER LATE 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed 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 pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX. XXXX XXXX  XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
A sales man named XXXX XXXX XXXX, knocked on our offering home construction services. After speaking with him for a few days, he showed us a layout sketch of a unit we were interested in building in our backyard. XXXX had us then sign electronic documents to see if we could qualify for a loan. He did not specify or ever mention about applying for a loan. Then after a couple weeks, we started noticing charges of {$200.00} from my checkings account. I had to contact the bank as I was unsure what was going on. A few weeks later, we received a loan delinquency letter from GoodLeap. The loan statement showed a loan of {$16000.00}, with 13.49 % interest. We contacted the salesman XXXX, and he stated he did not know what was going on but that if we paid {$400.00} from the loan, they would forgive the remaining {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
On XXXX XX/XX/2022, a Text message arrived. from XXXX. XXXX Fortiva Alert : Welcome to the Fortiva Retail Credit Family! Please visit www.myfortiva.com/XXXX to manage your account. Reply STOP to stop messages. " The phone number was not listed on the internet. Fortiva Retail Credit Family was listed under XXXX XXXX XXXX XXXX XXXXXXXX. They were contacted and referred to XXXX. The woman confirmed an account had the phone number. She just wanted to delete the phone number. I asked for the Fraud department. I think she put her coworker on phone. He did not create a tracking number. Just wanted to delete the phone number and did not offer any additional information other than some had an account with the number. He asked if anyone had access to my phone number? They both refused to provide any information about the person. Neither provided a tracking number which would suggest an investigation was happening and could be referred to when calling back. I don't know if this is a simple mistake or if I've a real credit /identity theft problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.A.Rogers, Inc.
State: CA

Complaint narrative:
Reporting this alleged debt to all credit bureaus. This is damaging my credit report. Please cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a hard inquiry from us bank. It shows up twice with the same date. Shouldn't it only be once. Thank you

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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Thursday Wells fargo said I was over drawn on my account I was not over drawn They fixed that problem now I have no access to my money.I called them several times to resolve this with no results. I went the branch they were not able to help. I need access to my money. I requested several times to lift hold they didn't. I have to pay my rent and other bills this is on un fair to me. In addition they said I made a transfer which I never made there is no reason for my account to on hold this long.

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 2024-09-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: U.S. BANCORP
State: TN

Complaint narrative:
US BANKS POOR INVESTIGATION AND COMMUNICATION AFTER FRAUD! 

My debit card was fraudulently hacked on XX/XX/XXXX at XXXX. Over {$2000.00} was stolen from my account from XXXX, and I did not approve or request this! I opened a fraud investigation as soon as possible. I was informed that a provisional credit would be issued after a few days while the investigation continued. After a few days i received the credit, only for it to be promptly removed from my account a few days later. When i asked why- they had informed me that the case had JUST been opened the day prior, and should not have been issued. How and WHY is that possible? This not only cause emotional distress, but a severe overdraft into my account. Not only that, upon receipt of the provisional credit, I had transferred some of the funds into another account of mine to pay bills that were upcoming. They have since reversed THAT transfer as well, and now both of my accounts are {$1700.00} and {$2000.00} in the NEGATIVE. Because of this, my most recent paycheck that has since been deposited ( which I needed to use in order to cover past due bills from the INITIAL fraud ) I no longer have access to because US BANK has put all of my accounts in the negative!! The money I need to feed my FAMILY. Every representative has told me something different, the calls are always " dropping '' on the representatives end, NO ONE has followed up or called me back when they said, Claims and requests haven't been opened with urgency, or when I was told they would be. I requested a callback from the fraud agent assigned to my case on Wednesday, XX/XX/XXXX and was told shed call me in XXXX business days. It is now Tuesday, XXXX - and i'm being told it's XXXX business days now? I am absolutely FURIOUS, and need to have this resolved ASAP! 

I have screenshots that I can attach, but didn't because the portal has an advisory not to include personal information, but will happily provide to representative upon claims opening.

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 2024-09-03 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I paid already my collection and didnt remove from my credit report and I was 3 or 4 week a go or give me any idea how long take to process it

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent letter and disputed the inaccurate information being reported to credit agency below is letter sent to the furnisher asking them to correct the wromg address or remove the information I am writing you again in regard to an account that you are reporting to the credit bureaus. I have disputed the accuracy of the information you are reporting to both you and the bureau. 

The account is being reported inaccurate information. As the furnisher of this account you are required and can not report inaccurate information to credit agencies. It is my right to make sure you are reporting accurate information. As you know the FCRA 15 u.sc 1681 governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information assembled by credit reporting agencies. 

Your information that you furnish to the CRAs must include accurate information as it pertains to the account Correct spelling of name, address, account status history. 


Many times, you update the account when I send a dispute, but you NEVER update the inaccurate information being reported, every dispute mentions the address listed to not be my address. The address listed will need to be updated to reflect my accurate information or you need to remove this. 

I have reached out several times and this has not happened. 

Please correct the information or remove this Best Regards 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent letter and disputed the inaccurate information being reported to credit agency below is letter sent to the furnisher asking them to correct the wromg address or remove the information I am writing you again in regard to an account that you are reporting to the credit bureaus. I have disputed the accuracy of the information you are reporting to both you and the bureau. 

The account is being reported inaccurate information. As the furnisher of this account you are required and can not report inaccurate information to credit agencies. It is my right to make sure you are reporting accurate information. As you know the FCRA 15 u.sc 1681 governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information assembled by credit reporting agencies. 

Your information that you furnish to the CRAs must include accurate information as it pertains to the account Correct spelling of name, address, account status history. 


Many times, you update the account when I send a dispute, but you NEVER update the inaccurate information being reported, every dispute mentions the address listed to not be my address. The address listed will need to be updated to reflect my accurate information or you need to remove this. 

I have reached out several times and this has not happened. 

Please correct the information or remove this Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent letter and disputed the inaccurate information being reported to credit agency below is letter sent to the furnisher asking them to correct the wromg address or remove the information I am writing you again in regard to an account that you are reporting to the credit bureaus. I have disputed the accuracy of the information you are reporting to both you and the bureau. 

The account is being reported inaccurate information. As the furnisher of this account you are required and can not report inaccurate information to credit agencies. It is my right to make sure you are reporting accurate information. As you know the FCRA 15 u.sc 1681 governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information assembled by credit reporting agencies. 

Your information that you furnish to the CRAs must include accurate information as it pertains to the account Correct spelling of name, address, account status history. 


Many times, you update the account when I send a dispute, but you NEVER update the inaccurate information being reported, every dispute mentions the address listed to not be my address. The address listed will need to be updated to reflect my accurate information or you need to remove this. 

I have reached out several times and this has not happened. 

Please correct the information or remove this Best Regards 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