vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I am REWRITING to complaint EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: CO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a money market account in person with Truist ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) on XX/XX/2024. I funded this account with a cashiers check of {$5000.00} from my local credit union ( XXXX XXXX XXXX XXXX ) my identification was verified multiple times during the account opening process and the check went into my account as pending.

Fast forward to Tuesday the following week. I logged on to check the status of my account when it notified me I was blocked and needed to contact Truist. I contacted Truist only to be told several times that they were closing the account due to fraud but they couldnt provide any information as to what was fraudulent with my account. They told me to call back in 3-5 business days for an update and that a Truist fraud analyst would be reaching out to me for more information. I still have heard nothing from a Truist analyst and the fraud department still repeated the same call back in 3-5 business days for an update I have made contact with XXXX XXXX who XXXX my account for me. She told me she would make some phone calls and get back to me. I had to forcefully call her back several times for the update to which she replied there was basically nothing she could do and that they decided to close the account and send me a check in the mail for my deposit. She gave me a reference number for early warning signs but it was basically useless as they told me to contact Truist again to find out why it was closed. She also referred me to call the Truist fraud department to get a time frame on when my return check would be mailed to which they still replied call again in 3-5 business days I called XXXX again this morning to tell her none of her answers gave me any solutions. XXXX told me she would again make some calls and call me back with answers. XXXX has since failed to reach out with more information and seems to be ignoring my calls to her direct extension. 

I am beyond frustrated that my money has just been stripped away from me like this. Everyone I speak to at Truist are like robots repeating the same script theyve been told to say. I was told my money would be safe and secure with this account and now I feel the complete opposite. This account was made to house my emergency fund and now that fund in gone until they determine when theyll send me a check for it. Ive heard horror stories of this same issue and it taking years to receive the deposit back. I can not wait that long. Please help 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 explanation
Consumer complaint received 2024-08-05 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: NJ

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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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 2024-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
XXXX XX/XX/year> : Closed on Assumable XXXX  XXXX  with Freedom Mortgage ( FM ) XXXX XXXX XXXX XX/XX/year> : Online account access created and updates were made to the account online. 
XXXX XX/XX/year> : Online account locked by Freedom Mortgage. I contacted FM to verify the reason for the account being locked and they stated that Assumable Loans have information from the previous owner and they were updating their database to remove the info and allow access, but I would need to be patient and access would be restored. 
XXXXXXXX XXXX  : Online account access restored for Assumable Mortgage. I was able to complete updates to profile and view documents online. XXXX to online account was functional for approximately XXXX months. 
XXXX XX/XX/year> : Attempted to access online account to verify information. Unable to login to account, as it appeared access was removed once again. 
XXXX XX/XX/year> : Contacted FM to inquire about getting online access back. Advised by FM that online account access is " not allowed '' for Assumable Mortgages. I informed the customer service rep that I had access reinstated in XXXX after the account being previously locked. XXXX stated that I " will NEVER have online access again for the duration of the loan ( XXXX more years ) '', since I have an Assumable Mortgage. Requested a policy letter from FM or a law stating this information.

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 2024-08-05 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: IL

Complaint narrative:
The account from XXXX XXXX XXXX  XXXX is having a negative impact on my XXXX which is causing adverse effects in my life as I am trying to start my own business. I Demand that this account be removed from my credit report immediately as pursuant to my consumer protection rights

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 2024-08-05 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: NY

Complaint narrative:
To whom it may concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any person a record of inquiries concerning a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is an identity theft case, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX Account Number : Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX  Account Number:XXXX Please send me the documents that prove that I was late. If you can't prove that you had proof, you need to remove these late remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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 kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
A month of emails due to lack of {$25.00} deposit based on terms that were completed by end of XX/XX/year>. The response has always been we have reached out to the appropriate department. Its {$25.00}, the terms were complete, and I have been waiting of the deposit. 

Initially I was told that I would automatically get the {$25.00} by the end of the term period. That never occurred, and Ive just been trying to get someone manually to approve the promotion fund.

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 monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: IN

Complaint narrative:
I started receiving letters from Viking Client Services stating that they are attempting to collect debt on behalf of XXXX XXXX XXXX XXXX. My XXXX account shows no evidence that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and ruining my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on at the earliest opportunity. I generously demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the precision and trustworthiness of my credit record so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: MA

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 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 2024-08-05 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I filed a claim with XXXX XXXX after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. I reached out to Venmo first and they told me to go through XXXX XXXX to get my money back. Fast forward to XX/XX/24 when the same individual decided to threaten me and extort the money on Venmo after getting notified about the chargeback through Venmo. XXXX XXXX has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. I want this payment refunded or I will file suit for being an accomplice to threatening behavior and XXXX against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Talked to US Bank Agent on the phone XX/XX/year>. Stated the 0 % APR period ended on the XX/XX/XXXX statement and That I would have had to make a full payment on XX/XX/XXXX. Fully payment to pay off the amount was made on XX/XX/XXXX, well before XX/XX/year>. She told me to hold on and she was going to check and proceed to tell me That full payment was due XX/XX/year>? I stated if the 0 % APR period ended on the statement close date of XX/XX/year> That full payment would be due on the cycle of XX/XX/year> thru XX/XX/year>. 

The rep even stated that I had to make a full payment on XX/XX/year>. The charge is not valid and the interest should be removed,

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 monetary relief
Consumer complaint received 2024-08-05 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: SC

Complaint narrative:
PLEASE REMOVE THE INACCURATE ADDRESSES ON MY CREDIT REPORT. MY ONLY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, SC 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