vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-03-20 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: IL

Complaint narrative:
I do not recognize these credit inquiries and I have asked for them to be removed. The credit bureaus did not do as I asked. I'm providing a identity theft report, and I am requesting the Inquiries to be removed because they are inaccurate and not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : UNAUTHORIZED HARD INQUIRIES Inquiry Name : XXXX  Inquiry XXXX : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX, XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 2024-03-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : UNAUTHORIZED HARD INQUIRIES Inquiry Name : XXXX Inquiry XXXX : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX, XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consistently, I've made sure payments on this account are timely, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-20 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: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.

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 2024-03-20 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: CL Holdings LLC
State: NJ

Complaint narrative:
I have no knowledge of account and demand its be taken off my credit report. It is interfering with me get a home and other necessities. If action of deletion isnt done with seven business days I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/2024 XXXX XXXX gave XXXX XXXX of New Jersey {$40000.00} to wire to me XXXX XXXX through Navy FederaXXXX. XXXX is my XXXX XXXX who purchased a vehicle from me. She was moving from XXXX XXXX to XXXX  and need to purchase a vehicle. While still transitioning from XXXX XXXX XXXX XXXX XXXXXXXX and I made the Sale. Navy federal the bank i bank with then restricted my account and wont release any funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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 implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their failure to investigate and remove inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The specific accounts that I am disputing are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Creditor Name : XXXX, XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX  Account Number : XXXX Despite my repeated requests, Experian has failed to conduct a thorough investigation into these accounts and has refused to remove them from my credit report. These inaccuracies are negatively impacting my creditworthiness and causing undue hardship. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint against Experian and take appropriate action to ensure compliance with the FCRA. Specifically, I ask that Experian be required to conduct a proper investigation into the disputed accounts and promptly remove any inaccuracies from my credit report. Experian is the only bureaus that refused to removed these account from my consumer reports. The other bureaus has removed them for inaccuracies and error on these accounts. Please removed these account of my credit report. 

Furthermore, I request that the CFPB inform me of the outcome of their investigation and any actions taken to address these issues. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX TN 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 2024-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK

Complaint narrative:
I have a savings account with Discover Bank. And a CD.

I have online banking with them.

I tried to transfer funds from my discover bank account to my wells fargo account, because I use the latter for withdrawals from atms.

I now live abroad and do not have a USA phone number.

I tried to get into my discover banking account to transfer funds. They said I can not into the account unless they send me a verification code. Well, they don't send codes to foreign numbers. And I don't have a USA phone number. They also don't send codes to VOIP numbers. So, I can't transfer funds. Now my XXXX XXXX bank account is being charged a monthly fee because the balance is low. I am running out of funds and am abroad. Discover told me I must have a USA phone number. So my only choice is to fly back home to the States and buy a USA phone number! This is ridiculous. How can my bank lock me out of my own account. This is causing me so much stress. I am a XXXX  and I am stuck in XXXX, running out of funds, and discover has locked me out of my bank account because I don't have a USA phone number for them to send a sms to. They said nothing else will work. This is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed.

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 2024-03-20 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:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FCRA 605B stipulates the removal of any incorrect accounts from my credit report, I believe. Would you mind verifying the documents? There seem to be inaccuracies in the reporting of some listed accounts.

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 2024-03-20 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have redeemed my cash rewards on a TD credit card twice recently into a savings account outside of TD. Both times the money was deposited into the account and reversed that same day. However, the rewards were not credited back to my rewards balance on the account. The date of the first occurrence was on XXXX XXXX 2024 and the second on XXXX XXXX 2024. 
After the first occurrence I spoke to TD on the phone and after a lengthy process they finally informed that it would be all resolved. However, unfortunately that did not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX Credit Karma gave access to a hacker/stranger to my Credit Karma banking account. They let him change my phone number and other personal information linked to my bank account. They did not ask this person for any type of identity verification. Due to this the person transferred most of my funds out of my account. After this incident on XX/XX/XXXX, I called Credit Karma directly and spoke to a customer service rep named XXXX I tried to dispute the transactions that were fraudulent to which they said I could not do a dispute until the transactions went through and were settled. I explicitly asked to speak to a supervisor because I was a victim of identity theft and wanted for those transactions to not be approved and to close my account and have a new one opened for my identity protection and per my identity theft recovery, their response was to disconnect the call and not take my call again for the day. ( they verify who you are through your phone number ) Once the transaction settled on XX/XX/2024 I called Credit Karma and spoke to a CSR XXXX, and I was able to dispute the fraudulent transactions. I was also able to let him know I had changed the email on my account because the hacker/stranger knew that my account was connected to such email. I also requested for my account to be closed and be given a new one, he gave me a timeline of 48-72 hours till today they have not communicated with me and have not provided any information as to why my request can not be managed. What I do have to say is that this company is either providing personal information to someone and giving them access to consumer accounts, because when I found out that they had provided and changed personal information without first verifying any of the information for example phone number and or home address I knew something was off, because every time I needed to do a change or talk to customer service they would send a code either to my phone or asked other private information. Not only that they took more than 72 hours to respond to any email, however they made all those changes within hours for this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
these 2 reporting companies are not updating my credit report properly, 2 months go by and accounts still reflect same balances. my XXXX  is XXXX and these 2 are in the low XXXX 's

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 2024-03-20 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: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items delete it from my credit report effective immediately. I am attaching prove the XXXX has admitted that I was in fact, a victim of the data breach, and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 

List all those negative accounts from your XXXX credit report account names and account numbers and file account complaint with CFPB Attached proof that you got Will respond back to stated they deleted everything

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 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
My name is XXXX XXXX I got a letter in from yall today saying I own a debit to XXXX for {$300.00} I need to dispute the full amount as not valid and not the right amount Reference our account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: AR

Complaint narrative:
In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.

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