vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
On my Transunion credit report I noticed an influx of inquiries on report. These inquiries are all fraudulent 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 explanation
Consumer complaint received 2024-11-16 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: Experian Information Solutions Inc.
State: MI

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 2024-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I believe that I am a victim of a scam operated by Concora Credit. This company has not only denied me access to usage of my account without providing a reasonable explanation or solution, they have also charged {$300.00} in user fees to my account. 
I was approved for a credit card with a {$700.00} limit on XX/XX/XXXX. Upon notification of approval, I received a Destiny Mastercard, which I activated. Immediately after activation, I attempted to make several purchases which were declined. As a result I contacted Concora, and was informed that they had placed a block on the account due to identity verification. I was advised that I would need to provide a copy of my driver 's license to verify my identity. I quickly complied with the request on XX/XX/XXXX. As of today, XX/XX/XXXX, there is still a block on my account, and I have never been able to use the card. Despite multiple phone calls to customer service, the company has refused to provide me with any additional information beyond " the identification documents are pending review ''. Additionally, they do not send any communications regarding the status of the block, I have been told that I have to call to receive this information. 
Recently, I called again to make a payment, and to also inquire about the status of the block. During this call, I was informed by a manager that the block would be removed in 7-10 days. He was unable to explain why the block had not yet been removed. On XX/XX/XXXX I was still unable to make purchases. I called customer service again, and was informed that an additional block was placed on my account for " suspicious activity ''. During this call, the manager refused to provide me with any further information in regards to the potential fraud, and also refused to provide me with the name amd/or phone number of the department which was handling it. Additionally, I was told that I would not receive communications from the department, I would need to call periodically to receive status updates about the suspicious activity. 
It is now evident that Concora has no intention of extending credit to me, yet has every intention of collecting payments from me for their annual and monthly fees. The reasoning behind placing blocks on the card are dishonest, and false. It is highly unlikely for suspicious activity to occur on a card that has always been blocked from making purchases. The company has used deceptive practices by promising credit without ever providing it, and extorting customers to pay in order to avoid a negative report to the credit bureau. Additionally, this company abuses the credit reporting system by forcing customers to keep their accounts open to avoid a negative credit rating. Closing my account will lower my open credit amount, which subsequently will lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
These accounts are charged off and i have yet to receive a XXXX from these accounts so i can report them to the XXXX. I did not give any type of consent to report these accounts 15 USC 1681b ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MO

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : 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 2024-11-16 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: MO

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I applied for Chase Freedom credit. For context, I already have a Chase business checking account and 3 other credit cards. The application was flagged for some reason and I called the reconsideration line the next day. The representatives said they would send me a link to upload my identification. I did the same day. My documents that I uploaded was my NYS license and U.S. Government passport. This also did not pass security check. I then called back XX/XX/XXXX and was told I needed to go into the branch and have them verify and send the documents. That same day I went with my documents and the Chase bank representative called and faxed over my identification. On XX/XX/XXXX I followed up and the representative said they received and verified the documents and passed it along to final clearance. To my surprise, I received another letter stating my documents did not clear. Chase has pulled my credit and refused to clear my identification stating they are unable to verify who I am. I have been a Chase customer for a number of years and did what they requested by going into the branch with my NYS and U.S Government Identification. I believe Chase is doing something fraudulent or discriminatory with my application as it is stuck unverified. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 2024-11-16 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
*** It has been 75 days since original request was filed to restore credit standing that plunged XXXX points over a period of 3 months. Experian, XXXX or XXXX have NOT corrected the error within that mandated time frame of XXXX - 45 days. Please sanction all three bureaus until score is corrected to it's excellent standing of XXXX. Per Fair Credit Reporting Act**XXXX EXPERIAN has locked me out of accessing my credit report on it's online portal. The portal only loops and never allows access to view or manage credit profile. My phone number is flagged in it's telephone truncated lines ; online and telephone access only loops when accessed. This is ongoing since XXXX with formal request to correct credit score ; submitted with clear evidence of correct credit standing. 

EXPERIAN erroneously caused my credit score to drop XXXX points. Score has also suffered and dropped erroneously with XXXX XXXX and XXXX after filing suit on XXXX XXXX XXXXXXXX. ( Copy already on file with all 3 Bureaus ). I have attached copy here for your convenience. 

I requested correction of false negative reports and provided detailed data proving XXXX XXXXXXXX XXXX negative report was false. My credit score before XX/XX/year> was XXXX. Only one year of on time payments have been reported to all XXXX bureaus during that XXXX year time frame. After XXXX XXXX XXXX 's false report was removed score fell XXXX points then another XXXX points finally XXXX points. Credit score plunged XXXX points in total in three months. 

There is no logical reason FICO score should drop XXXX points after removal of derogatory and false information. FICO score certainly should not have plunged, again, after correction and removal of false report from XXXX XXXX XXXX  Logic and sound reasoning tell us score should have increased not decrease XXXX points. 

Correct my credit standing to it's proper class of XXXX FICO score without continued delay. Enforce this regulation with and all credit bureaus mentioned here operating in tandem with XXXX XXXX XXXX 

The FCRA, The Federal Banking Regulations and Credit Bureau regulators CFPB all state that if there is no response after 30 days consumer shall be made whole. 

Finally, sanction Experian, XXXX and XXXX for not correcting this error within the 30 day time frame provided by Federal Bank Regulations, Fair Credit Reporting Act and CFPB. 

This was reported and solid evidence provided to all three bureaus in XX/XX/year> and again in XX/XX/year>. 

Enforce correction of all three bureaus to place credit score back to it's stellar standing of XXXX. 

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 explanation
Consumer complaint received 2024-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXXXXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank gift card with {$250.00} balance did not work. Called the company no help was offered. Called the company again to speak with a different agent, a replacement card was sent after a prolonged and difficult conversation about the issue. Agent confirmed the gift card balance of {$250.00}. Replacement card was received. Tried to activate the card multiple times using both the automated phone line and the provided website. Neither system would activate the card. Called the company again using the original card number ( can't connect to an agent using the card number that will not activate ). Agent directed me back to the automated phone system and website which do not activate the 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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have been disputing discharge since XXXX. Its now XXXX every XXXX months they put it back on the card without any further investigation Ive asked for a different way to contact XXXX on multiple occasions with no response. I have attempted to contact XXXX for the last XXXX months with no response. XXXX keeps telling me that they will email me or to look out for an email from XXXX. none of that has happened, but still, I keep getting this charge back on my card every XXXX months with no further explanation or contact in between. This is the XXXX th time we have disputes and send all documents proving this was never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2024-11-18 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: GA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2024-11-16 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: IL

Complaint narrative:
THEY ARE MAKING INQUIRIES IN FRAUDULENT WAYS, I AM A VICTIM OF IDENTITY 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 2024-11-16 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: IL

Complaint narrative:
THEY ARE MAKING INQUIRIES IN FRAUDULENT WAYS, I AM A VICTIM OF IDENTITY 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 non-monetary relief
Consumer complaint received 2024-11-16 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: IL

Complaint narrative:
THEY ARE MAKING INQUIRIES IN FRAUDULENT WAYS, I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
These accounts are charged off and i have yet to receive a XXXX from these accounts so i can report them to the XXXX. I did not give any type of consent to report these accounts 15 USC 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
These accounts are charged off and i have yet to receive a XXXX from these accounts so i can report them to the XXXX. I did not give any type of consent to report these accounts 15 USC 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My husband and I have a savings and checking account at Ally. We opened these accounts XXXX years ago roughly. My husband passed away earlier this year. On XXXX or XXXX, I called Ally Bank along with my eldest son to have my husband 's name removed from the accounts and add my son, so he can help me with my finances going forward. Ally was okay with this, but asked for us to type up a letter stating my intentions, send the death certificate and fill out a application. My son and I did everything they asked and faxed the documents over to the number they provided, the same day. On XXXX, my son and I called to check on the status of everything we requested and put into motion. We also had some questions about some money transfers we initiated days earlier. I needed money in my personal checking account at XXXX bank and I was trying to XXXX my son {$8.00} to reimburse him for something he purchased for me out of his own pocket. These transactions were flagged and upon asking about why, we were sent to the fraud department. Once with the fraud people, things took a turn for the worse and we were flagged for doing fraudulent activity. Despite the fact I was an account holder and answered all their questions, they still flagged us. The woman started suspending the two accounts, accusing us of fraud repeatedly, and then hung up on us. We immediately called back and spoke with another fraud dept. woman and she gave us the same story. She told us she couldn't do anything because the accounts are flagged for fraud and the investigation is ongoing. We asked how long this would continue for and she said, there are no guidelines for this. We asked to speak with a supervisor, but this never happened. After about XXXX minutes of being on hold, she said the supervisor would call us in XXXX. This call never happened. I am a XXXX XXXX XXXX woman and other than social security income, all of my saved money is now stuck at Ally Bank. I can't login to see the money and have nowhere to go.

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