vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CO

Complaint narrative:
USBank gave out our personal mortgage information and tax form to an unauthorized individual which contained our name, address, social security number, account number, account balance, and account payments. This incident happened approximately on XX/XX/year>. This breach of personal information has been acknowledged by a letter from USBank, Office of the President, on XX/XX/year>, signed by XXXX, USBank, Customer Assurance Deposit Complaint Advocacy , Office of the President. They have not offered any resolution as of this date, and refuse to give us any additional information regarding the matter without a subpoena. They have only offered fraud alert protection which is insufficient with the type of information disclosed. They are aware of the individuals who gave and received our private information but refuse to share that information with us. I would like to know what type of credentials this unauthorized person showed to the banker, XXXX XXXX, in order to access our personal information. This is a matter of urgent concern as this individual now has our social security number and other vital information. We have spoken with Branch Manager, XXXX XXXX XXXX and XXXX, District Manager XXXX and no one will disclose information other than to acknowledge that the breach did occur. This breach is in direct violation of the Privacy 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 2024-07-24 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 am writing to formally address issues regarding the unauthorized use of my information by the XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. According to 15 U.S. Code 1681b ( b ) ( 2 ), consumer reporting agencies are required to obtain written consent before acquiring a consumer 's information. I have never provided such consent to any of these companies, including XXXX, XXXX XXXX, and XXXX XXXX. 

I have requested a signature page with my signature to verify the debt attributed to me, but my request has been denied. Furthermore, I have not given permission to run my credit. Pursuant to 15 U.S. Code 1681n, any consumer reporting agency or furnisher of information that fails to comply with the provisions of this section may be liable for civil damages due to willful noncompliance. 

Despite my efforts, these entities continue to use my identity, even after I have sent cease and desist letters. My correspondence specifically requested that XXXX XXXX cease all communication with me, in accordance with the law 's definition of communication as the conveyance of information through any medium. 

My credit report is private data, and inquiries made by third parties without my authorization are violations. I was advised to submit a complaint to the reporting agency to have these inquiries removed. However, XXXX refused to assist without a formal report and did not provide an alternative method for submission or uploading the document online. 

Moreover, the companies involved have refused to explain their debt verification process. From my understanding, they merely rely on my historical activity without proper verification. 

I seek immediate resolution to these matters and expect the unauthorized use of my personal information to cease forthwith.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address issues regarding the unauthorized use of my information by the XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. According to 15 U.S. Code 1681b ( b ) ( 2 ), consumer reporting agencies are required to obtain written consent before acquiring a consumer 's information. I have never provided such consent to any of these companies, including XXXX, XXXX XXXX, and XXXX XXXX. 

I have requested a signature page with my signature to verify the debt attributed to me, but my request has been denied. Furthermore, I have not given permission to run my credit. Pursuant to 15 U.S. Code 1681n, any consumer reporting agency or furnisher of information that fails to comply with the provisions of this section may be liable for civil damages due to willful noncompliance. 

Despite my efforts, these entities continue to use my identity, even after I have sent cease and desist letters. My correspondence specifically requested that XXXX XXXX cease all communication with me, in accordance with the law 's definition of communication as the conveyance of information through any medium. 

My credit report is private data, and inquiries made by third parties without my authorization are violations. I was advised to submit a complaint to the reporting agency to have these inquiries removed. However, XXXX refused to assist without a formal report and did not provide an alternative method for submission or uploading the document online. 

Moreover, the companies involved have refused to explain their debt verification process. From my understanding, they merely rely on my historical activity without proper verification. 

I seek immediate resolution to these matters and expect the unauthorized use of my personal information to cease forthwith.

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX, I AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS DISPUTE ON MY BEHALF. 


TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : TRAFFICKING BLOCK REQUEST Dear Sir or madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] Please send me notification of the actions taken, I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Trafficking documentation, FTC 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 explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To whome it may concern, I entered in a Consumer Credit Transaction with Barclays in which i gave them access to my open-end credit and received no equal value. 
Application XXXX Per 15 U.S. Code 1691A - IT IS UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION.

Denying me access to my securities is securities fraud which has a statute of limitation of 5years in Texas . 
Regardless of their reasoning for the denial I have a right to credit under the Equal Credit Opportunity Act and the Consumer Credit Act which are both being violated. 
Your prompt attention to this matter is greatly appreciated.

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 2024-07-24 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: AZ

Complaint narrative:
I need your help regarding this incorrect account reflected on my credit report. This issue has harmed my reputation, and I am asking for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: AZ

Complaint narrative:
My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : 1.L J ROSS ASSOCIATES INC , I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches. I have never received any response or notice from .L J ROSS ASSOCIATES INC . I do not know .L J ROSS ASSOCIATES INC. nor do I have a contract with them, XXXX has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To whom it may Concern, On XXXX  XXXX I entered in a Consumer Credit Transaction with XXXX in which i gave them access to my open-end credit and received no equal value. 
Application XXXX Per 15 U.S. Code 1691A - IT IS UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION.

Denying me access to my securities
is securities fraud which has a statute of limitation of 5years in XXXX  XXXX 
Regardless of their reasoning for the denial I have a right to credit under the Equal Credit Opportunity Act and the Consumer Credit Act which are both being violated. 
Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Subject : Third Round Dispute Reinvestigation Request and Notice of Intent to Sue for Willful Non-Compliance To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXX  on my credit report. I filed my first complaint back in XXXX XXXXThis is my third dispute regarding this account, XXXX, which remains inaccurately reported on my credit report. Despite previous reinvestigation requests, the erroneous information persists. 
In accordance with Metro 2 standards and pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I am entitled to accurate and complete reporting of my credit information. The continuous reporting of inaccurate information by XXXX XXXX XXXX  is a clear violation of FCRA 623, which mandates furnishers of information to provide accurate data to consumer reporting agencies. 

**Account Details ( Experian Report ) : ** - **Creditor : ** XXXX XXXX XXXX  XXXX XXXXAccount Number : ** XXXX - **Account Type : ** Secured Loan - **Date Opened : ** XX/XX/XXXX - **Original Balance : ** {$10000.00} - **Current Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX **Experian Payment History Inaccuracies : ** - XX/XX/XXXX : 30 days late - XX/XX/XXXX : 60 days late - XX/XX/XXXX : 60 days late **Account Details ( XXXX Report ) : ** - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - XXXX XXXX XXXX {$0.00} - **Account Status : ** Paid, Closed - **Highest Balance : ** {$10000.00} - **Date Opened : ** XX/XX/XXXX - **Term : ** 120 months - **Last Payment Date : ** XX/XX/XXXX - **Current Payment Status : ** XXXX Days Late - **Worst Payment Status : ** XXXX Days Late - **Times XX/XX/XXXX Days Late : ** XXXX **Discrepancies : ** XXXX. **Experian Report : ** - XX/XX/XXXX : 30 days late - XX/XX/XXXX : 60 days late - XX/XX/XXXX : 60 days late XXXX. XXXX Report : ** - Only one instance of being 30-59 days late. 
- XXXX claims I have made 90 % of payments on time, conflicting with the number of reported late payments. 
- Different last payment date ( Experian : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX ). 

These discrepancies indicate that the information reported by XXXX XXXX XXXX  is inaccurate and inconsistent across different credit reporting agencies. This misreporting has adversely affected my credit score and overall creditworthiness. 

I have requesting a thorough reinvestigation of these inaccuracies. XXXX XXXX XXXX  fails to comply with this request, I am prepared to take legal action for willful non-compliance under FCRA 616 and 617, which provide for civil liability for willful and negligent noncompliance, respectively.

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 2024-07-24 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: FL

Complaint narrative:
I checked my credit report today and was disappointed about why these inaccurate accounts are still there. I don't have any knowledge regarding those and it has also been causing me tremendous stress. Please kindly thoroughly look at the documents that I've sent regarding those.

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