vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> someone had stolen my card information and pin and proceeded to withdraw money all over town in the amount of {$9000.00}. USAA did not even catch the fraud taking place. I was at work with a XXXX for the XXXX XXXX XXXX in XXXX, Florida. When it called they credited the amount. On XX/XX/year> i woke up to - {$8100.00} in my bank account. The first representative accused me of spending the money saying I had gone grocery shopping and forgot. I called back and another representative said they would have a fraud specialist call me back. When the fraud special called they stated because it was a chip card with the pin in the same geographical location they closed their investigation after telling me previously they had ruled in my favor. Now they wanted a letter from the judge and a police report within 48 hours or they would close the re review. I spent the entire Friday driving around from one police station to the next because of jurisdiction. The cops wanted to know why the bank did not subpoena the cameras already to prove it was me who made the transaction. I had also notified them of an earlier possibly related incident where I had used a USAA ATM that had a card skimmer in it 3 weeks earlier and the police said it was entirely possible they got my information, waited for me to get a new card, and made a dummy card. They also said it is easier for the bank to go to another bank which XXXX XXXX XXXX XXXXXXXX XXXX XXXX were XXXX places the fraudulent transactions took place at to subpoena the cameras than it was for them. The police now have an open investigation XXXX Police department case number XXXX. USAA wants me to do all the investigating now that they have ruled against me. They refuse to do any further investigating even though I have provided the letter and the case number for them to correspond with the police department. I was supposed to have received a call back from a fraud XXXX XX/XX/year> and have still received no phone call. The judge is was with, the Honorable Judge XXXX XXXX provided a letter stating I was with her from XXXX to XXXX which is the time these transactions took place. They have now placed my account in the negative and are holding on to {$840.00} of my money that was left in the account. Since then I have closed everything and gone to XXXX XXXX except the checking since I am hoping I will get my money back. Please help me put a fire under them to do a proper investigation other than a geographical location.

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 2024-11-18 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$5500.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiry from my credit report. As a victim of a data breach, I have identified fraudulent activity involving my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit report. 
Fraudulent Accounts to Block and Delete : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$560.00} Fraudulent Inquiry to Block and Delete XXXX XXXX XXXX  - Date : XX/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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I look at a copy of my credit report and noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that. you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX Transunion ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX ) Account # 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 2024-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I look at a copy of my credit report and noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that. you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX Equifax ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
I lost my wallet and my identity was stolen and these cars were obtained fraudulently.I have reached out to these companies and they none compliant so Im reaching out for more assistance in resolving this matter thank you.

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: 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: IL

Complaint narrative:
I lost my wallet and my identity was stolen and these cars were obtained fraudulently.I have reached out to these companies and they none compliant so XXXX reaching out for more assistance in resolving this matter 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 2024-11-18 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: IL

Complaint narrative:
I lost my wallet and my identity was stolen and these cars were obtained fraudulently.I have reached out to these companies and they none compliant so Im reaching out for more assistance in resolving this matter thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: OR

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: PR

Complaint narrative:
According to Experian, the report number XXXX generated in XXXX XXXX by them His research results were as follows and I quote " We are responding to your request to verify item ( XXXX ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not reinvestigate the same dispute again at this time '' They mention a personal report with the name, address and phone number of the credit grantor who verified the information that I never received. Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure. With that result, Experian are clearly violating 's federal regulations. I would not like to think that because I'm an American citizen who lives in XXXX XXXX they are discriminating with such an important issue.

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 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : Commenity Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
Dear XXXX, XXXX, Transunion, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary. 

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear XXXX, Experian, XXXX, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary.

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine.

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue.

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 2024-11-18 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: NY

Complaint narrative:
I am in complete disbelief after discovering inaccurate accounts on my credit report today, with no clue how they got there. Ive made a habit of checking my report, but this time, errors suddenly showed up. I thought it might be a browser glitch, but refreshing didnt helpthese inaccuracies persisted. To resolve this, I urge you to carefully verify the documents Ive provided so I can stop worrying about this ever happening again.

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 2024-11-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I got a new lease from gym financial they never sent me mail. I got a call a few days befor the account would go to late I told them I got no mail they said they where sending it to a address I no longer live at ( which wasnt so true ) so i gave them the the new address and instead of overnighting or express mail that would get to me on time to make the payment as I said I will they decided to take there time. To be clear with out my mail I had no way of paying even online because it requires my account number and this was the first payment as soon as I got the mail I payed but at that time it was past 30 days and then they report me as a late payment when the error was on there side

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
An account was added to my Experian credit report XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I called to see what this was about and was informed I had XXXX different accounts. XXXX XXXX made me aware that they had incorrect personal information for me such as email address, social security number, and address. I was a victim of Data Breach and Identity Theft and pursuant to FCRA 605B15 U.S. C. 1681c-2 and the items should have been blocked and deleted within 4 business days. I uploaded ALL the information they requested on 11/11/2024 and the worker XXXXXXXX XXXX informed me they had millions of accounts to deal with and mine doesn't take priority and that I have to wait an indefinite amount of time before my issue would be resolved.

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

Complaint narrative:
I've sent multiple dispute letters to the credit bureaus and they declined and said because my letters were too well written that there's no way i wrote them

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've sent multiple dispute letters to the credit bureaus and they declined and said because my letters were too well written that there's no way i wrote them

Company response to consumer: Closed with explanation