vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I do not have an account with USAA Bank, yet I urgently need your attention regarding a serious issue involving a stolen and altered check from my XXXX business checking account ending on XXXX. 
In XX/XX/year>, a check I mailed to pay my business leaseoriginally intended for XXXX XXXXXXXX XXXX XXXX  XXXX an address in XXXX, XXXX stolen and fraudulently deposited via a mobile app into an account at USAA Bank. The check number ( XXXX ), amount ( {$3700.00} ), and a significant portion of my signature were preserved, but the payee was altered to " XXXX XXXX '' with an address in XXXX XXXX, FL. 
I only became aware of this alarming situation in XXXX, when my landlord informed me, I was behind on payments. Upon reviewing my bank account, I discovered that the payment had been processed, but I hadn't previously examined the check image. It was only when I attempted to provide proof of payment that I realized the check had been altered. 
I have reported this matter to the XXXX XXXX Department, the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), and, following XXXX 's advice, to the postal service and the FBI due to the cybercrime implications. Given the fraudulent address in XXXX XXXX, the case has been assigned to XXXX XXXX XXXX. 
USAA has been subpoenaed to disclose information regarding the suspicious account. According to Detective XXXX and XXXX XXXX, a Senior Specialist at USAA, the account raised red flags from the outset. USAA has since frozen the account, never disbursed any money but the funds remain unreturned. 
Despite my banks attempts to communicate with USAA for recovery, they have received no response. My branch manager at XXXX contacted USAA 's Fraud Department on my behalf, only to be met with rudeness and a refusal to engage. 
It is unacceptable that a bank is holding funds that do not belong to them, especially when they are aware of the fraudulent nature of the transaction. This situation demands immediate action. I urge you to intervene and ensure that USAA Bank returns the money to my bank promptly. 
Thank you for your urgent attention to this distressing matter.

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 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Loan Depot continues to harrass and solicit me with emails. The emails are highly misleading stating that " rates dropped '' and they can save me an extra $ $ $ $ a month. I receive this email multiple times a day. I have clicked on the unsubscribe button more than once - yet Loan Depot continues to send this email. Additionally, they have a physical address that is a mail center - yet when you click on the email to view more details - it takes you to Loan Depot. Loan Depot is not adhering to unsubscribe rule when it comes to email engagement. They are also misleading in the emails. I find this very deceptive and frankly harassing. They refuse to stop. I have sent a request to their customer service division and still continue to receive the harassing emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-10-28 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: RockLoans Holdings LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
This account has been fraudulently added on my report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 2024-10-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX reported a XXXX decrease in my credit score, despite several positive changes in my credit profile. My available credit increased by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my total balance decreased by {$12000.00}. My credit utilization rate also dropped from 10 % to 8 %, reflecting responsible credit management. Additionally, the age of my oldest account increased by one month, as did my average account age. 

Ive maintained an excellent payment history, consistently paying bills in advance, with no missed or late payments. This unwarranted score reduction appears to be an error by XXXX, and by inaccurately lowering my credit score, XXXX is unfairly impacting my financial standing.

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 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
There was no consent to be contacted for the mailings ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) received. The alleged debt is {$2900.00}. There have been multiple phone calls received. According to the codes many of them have been violated which included threats to be sued along with deceptive forms. The company has reported the alleged debt to the credit agencies as well. There are two other companies used by the main " debt collection '' company but the letters state they are a debt collector making them third parties. The third party companies are not licensed in Arkansas to collect debt seeing how their letters state they are debt collectors. There have been many violations per 15 USC1692 and I am pretty sure there could be more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
I am REWRITING to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

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 2024-10-28 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:
After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular Achieve personal loans, in the amount of XXXX XXXX XXXX XXXX XXXX XXXXThe thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud.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 2024-10-28 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 2024-10-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX someone used my identity to create a fraudulent account at XXXX XXXX. account # XXXX ; order # XXXX ; location XXXX ; amount {$2800.00}. 
XXXX debt collectors inform me of fraudulent account. 
XXXX open dispute with XXXX XXXX XXXX fraud investigation determined account to be unauthorized and fraudulent. I am not responsible for any of the charges related to the account or order number above. Account closed XXXX one year later fraudulent account is still showing on credit report and has dropped my credit score over XXXX points. 
XXXX XXXX I contacted transunion via XXXX  claiming to repair or remove inaccuracies from credit report. 
Transunion opened investigation XXXX transunion sends email stating they reopened the fraudulent account and placed the account in collections. 
XXXX XXXX verified again that the account was fraudulent and I am not responsible. Provided email to use as verification. 
XXXX I've contacted transunion several times over several days and they still claim that the fraudulent information they have is correct. Will not reinvestigate to fix error.

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 2024-10-28 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: GA

Complaint narrative:
today is XX/XX/year> I closed the XXXX XXXX XXXX card a year ago, and just paid if off XXXX XXXX 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of 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 non-monetary relief
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
today is XX/XX/ I closed the XXXX XXXX XXXX card a year ago, and just paid if off XXXX XXXX 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
today is XX/XX/year> I closed the XXXX XXXX XXXX card a year ago, and just paid if off XXXX XXXX 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of 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