vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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 approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I deposited a US TREASURY check for XXXX to my account at Citizens bank. Which I did open the new account on the same day, the check was deposited. I was told the check would have a 7 day hold on it, which was fine. On the XXXX day I checked my account and the funds were not released, I was then told that an additional hold was put on the account for an additional week or until XX/XX/XXXX. On XX/XX/XXXX I then checked the account and was now told there was an additional hold put on until XX/XX/XXXX. I was told the back office has to approve or verify the check with the IRS. I then went into a local IRS office and was told the check is verifiable on the US TREASURY website, and that there is no hold on the check on the IRS 's end. I have called and called and tried to get this resolved, but it seems as if I cant get led in the right direction. The Irs has no knowledge of any BACK OFFICE reaching out to them and Citizens says they cant release the funds until the back office reaches out to the IRS. Citizens also wont give me any info for the back office. So my funds are just being held in limbo, and I was told that even on XX/XX/XXXX the funds still may not be released.Also whe I check the treasury site, it says the check was paid to me and the bank already, but I have yet to see the funds in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : XXXX XXXX Account 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 2024-08-29 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : XXXX XXXX Account 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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The late payments listed don't match how I've regularly made my payments, so my accounts need to be corrected to show my true payment history.

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 2024-08-29 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry 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 2024-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a debt validation letter to Portfolio Recovery on XX/XX/year>, and their response was inadequate. I followed up with another debt validation request on XX/XX/year>. They have failed to provide their license to collect debt in my jurisdiction or any of the documents I initially requested. This failure to comply should lead to the removal of all my personal information from their records. I am therefore demanding that they delete this information immediately. Moreover, the itemized statement they provided does not constitute valid proof of the debt, as it is not a signed contract between myself and Portfolio Recovery. An itemized statement alone is insufficient for validating a debt, as it can be easily fabricated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed what I believed to be a fraudulent charge of {$160.00} on my Macy 's store credit card ( issued by Citibank ). I contacted the company numerous times to dispute the charges, only to be repeatedly told that I was responsible for them without any explanation as to what this item was and how this was determined, as I noted there was no corresponding purchase on my Macy 's online account for that time frame and I had no recollection of making any purchases since XX/XX/XXXX. 

After several phone calls, an unanswered BBB complaint, and a thus far unanswered complaint with the State of NY, I was contacted yesterday by an individual from the Macy 's fraud department who advised that they had verified that I had made the purchase in question : in XXXX of XXXX. This was a purchase of two lamps which were later returned in XXXX of XXXX ( this I do vaguely remember ). Macy 's is claiming that while I received a credit for the return of these items, I was allegedly never charged for them in the first place. The fraud department went on to advise that this was due to the vendor not reconciling these purchases back when originally made and that this issue was now affecting many Macy 's customers such as myself. I inquired as to how it could be feasible to charge someone almost 5 years later, and questioned what would occur if I had closed out my Macy 's store card in the interim? They could not provide any answers to these questions. 

I did request copies of my credit card statements from XXXX XXXX to XXXX XXXX so I could verify that I wasn't actually charged for this purchase as they claim and am waiting to receive this information via regular mail. 

In the interim, I would kindly ask the Consumer Financial Protection Bureau to look into this matter and answer if Macy's/Citibank/whomever this 3rd party vendor is ( unknown lamp manufacturer? ) can legally process a charge to a credit card for an item that was purchased almost 5 years earlier. I have to imagine there is some sort of statute of limitations for credit card companies to finalize transactions and if so, would appreciate verification of this time frame.

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 2024-08-29 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-29 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank is refusing to acknowledge they have/had me as a customer. I have filed 4 other complaints. YOU WILL SEE INCONTROVERTIBLE PROOF I AM A CUSTOMER IN THE ATTACHED DOCUMENTS. If US Bank attempts ( for the 5th time ) to block this inquiry by stating " this complaint lists someone the company does not recognize as their customer '' it will be outright perjury to a Federal institution. This company has been hounding my credit for 8+ months after the statute of limitations expired AND they are lying to CFPB. CFPB, you need to do your job and hold them responsible before I have to bring this to additional courts. You will see in the images that there is XXXX possible way for US Bank to say they don't recognize me as a customer. I am only listing myself as the owner of the account and the bank. There is no possible way they are able to deny knowing me as I will include my card and SSN in this complaint. This is my last attempt before a serious lawsuit against US Bank and I will look into my options with CFPB as well for allowing this to continue.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally file a complaint against NAVY FEDERAL CR UNION regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/1970, and my Social Security Number is XXXX. Upon reviewing my NAVY FEDERAL CR UNION credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting NAVY FEDERAL CR UNION directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my NAVY FEDERAL CR UNION credit report. Additionally, I seek written confirmation from NAVY FEDERAL CR UNION once these accounts have been corrected. I also ask the CFPB to investigate NAVY FEDERAL CR UNION handling of my dispute and its adherence to FCRA and CFPB rules.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I received a letter in the mail a few months after applying and opening a united XXXX XXXX and amazon XXXX credit card with Chase. I always pay way more than required on the card, even sometimes making the payment the same week as a purchase. 

I received a notice that my accounts were going to be closed due to a " personal investigation '' on me. I was XXXX XXXX XXXX XXXX XXXX XXXX OVER 5 years ago! I have paid my dues, have completed all XXXX XXXX XXXX, XXXX XXXX XXXX. I have also worked hard to rebuild my life, build my credit, and was excited to make these progresses. No current investigations are going on, this is all old! I am not sure how my criminal record from so long ago has to do with my credit, if that's the case, it shouldn't have been open to begin with. When I called and requested information, nothing was provided, just told to refer back to my letter. I want to continue to build my credit, and make good with these credit cards. Not back track, because now not only will my credit score drop, because of the closed accounts, but my credit utilization will be significantly higher since those credit limits will be removed but the amount owed will not be. 

PLEASE help me keep these cards open. I've paid my dues, and punishing me for my past is not fair. Just decline my application, not approve me, then close all my accounts that are in good standing. On the application it doesn't ask my criminal history, so not sure how this has to do with my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NJ

Complaint narrative:
My usual payment history has been consistent and these late payments don't reflect that, so I need the accounts to be adjusted properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: OR

Complaint narrative:
The company XXXX XXXX XXXXXXXX reported to the credit bureaus that my account was closed on XX/XX/year> which is was not. In the response they sent to CFPB on XX/XX/year> they included statements showing that the credit line was open and had available credit. I have been disputing this with XXXX XXXX XXXXXXXX for 4 months and escalated this to CFPB on XX/XX/year> because the credit bureau Experian did not do their job. CFPB closed the case as satisfied to which XXXX XXXX XXXXXXXX showed negligent in their response by not changing the credit bureaus record update on reporting the account as closed. This inappropriate reporting harmed my credit by over XXXX points on all credit bureaus. It also caused my other creditors to reduce my lines of credit and or closures to lines due to the dramatic change on my credit score. Further causing more harm to my wellbeing.

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 2024-08-29 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: CA

Complaint narrative:
I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX FCU ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX Personal Information for TransUnion NAME : 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 2024-08-29 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: FL

Complaint narrative:
This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX 2- Inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3- Incorrect name : XXXX XXXX XXXX 4- Unauthorized Inquiries : XXXX XXXX XXXX on XX/XX/XXXX , XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXX , XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief