vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} Late Payment : Former : XXXX XXXX XXXX  Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX Barclays Bank Delaware Open XX/XX/year> {$2600.00} Past Due is {$2600.00} I am requesting to be taken off as an authorized user of an account that does not belong to me. I believe fraud has been committed. I did not give consent to be added to this account.

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 2024-11-19 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: NJ

Complaint narrative:
When I checked my credit report this morning, I saw unauthorized inquiries that shouldnt be there. I regularly check my report and have never had such an issue before. I refreshed my browser thinking it might be an error, but the inquiries remained. I need this matter resolved quickly, and I urge you to carefully verify the documents Ive submitted to prevent this from 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I purchased a Amex gift card to pay for something over the phone ..... I've never used Amex before but heard great things about Amex cards...... I waited a few hours to be sure funds were available on said card... .went to use it and it does'nt work. I've tried lots of times..this card just does'nt work at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-19 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX  Also Known As : 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 2024-11-19 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: VA

Complaint narrative:
Please help me remove these inaccurate inquiries and incorrect personal information from my credit reports

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 2024-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given XXXX {$180.00} American Express gift cards. I tried to use them and was embarrassed when they were declined. I placed several phone calls to the phone number on the back of the gift cards and spoke to supervisors who told me the XXXX American Express gift cards I received ( for {$180.00} each ) went to California unclaimed property. Since I did not purchase these gift cards, unclaimed property can not help me. I explained this to American Express but they do not care and have offered no resolution. America Express had no right to {$0.00} them out when it is clearly printed on the front that the gift cards are valid through XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. XXXX XXXX - Account number : XXXX. Balance : {$7200.00} XXXX. XXXX XXXX - Account number : XXXX. Balance : {$2600.00} XXXX. XXXX - Account number : XXXX. Balance : {$360.00}

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 2024-11-19 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: MD

Complaint narrative:
I Reviewed my credit profile and noticed some hard inquiries that do not belong to me.

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 2024-11-19 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 am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I reviewed my credit report and noted the following unresolved issue related to an account from XXXX XXXX XXXX  : Comments in the Report : " Account Previously in Dispute Now Resolved by Data Furnisher '' " Account Closed by Credit Grantor '' Credit Card These comments fail to address the inaccuracies I previously disputed. XXXX reliance on the data furnishers response, without providing supporting documentation or conducting a thorough reinvestigation, is unacceptable. 
The following discrepancies remain unresolved in the account : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. XXXX and XXXX report {$2600.00}, while Equifax reports {$2500.00}. 
XXXX XXXX : Inaccurate credit limit. XXXX and XXXX report {$2500.00}, while Equifax reports {$0.00}. 
Payment Status : Differences in the " XXXX  days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. XXXX and XXXX report XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
Equifax directed me to contact XXXX XXXX Bank at : XXXX XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX. 
This is an evasion of XXXX responsibility under the FCRA, as the burden of proof lies with the credit reporting agency and the data furnisher, not the consumer. 
To further document this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under FTC Report Number XXXX. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and creating undue stress. XXXX failure to comply with its obligations under the FCRA undermines my ability to access financial products and manage my finances effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I reviewed my credit report and noted the following unresolved issue related to an account from XXXX XXXX Bank : Comments in the Report : " Account Previously in Dispute Now Resolved by Data Furnisher '' " Account Closed by Credit Grantor '' Credit Card These comments fail to address the inaccuracies I previously disputed. Equifaxs reliance on the data furnishers response, without providing supporting documentation or conducting a thorough reinvestigation, is unacceptable. 
The following discrepancies remain unresolved in the account : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. XXXX and XXXX report {$2600.00}, while Equifax reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. XXXX and XXXX report {$2500.00}, while Equifax reports {$0.00}. 
Payment Status : Differences in the " XXXX  days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. XXXX and XXXX report XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
Equifax directed me to contact XXXX XXXX Bank at : XXXX XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX. 
This is an evasion of Equifaxs responsibility under the FCRA, as the burden of proof lies with the credit reporting agency and the data furnisher, not the consumer. 
To further document this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under FTC Report Number XXXX. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and creating undue stress. Equifaxs failure to comply with its obligations under the FCRA undermines my ability to access financial products and manage my finances effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Complaint Regarding USAAs Cashiers Check Verification Process To Whom It May Concern, I am submitting this complaint against USAA Federal Savings Bank for their continued failure to resolve problems with their cashiers check verification process. These issues have caused unnecessary stress and prevented me from meeting essential financial obligations. 

The problem began several months ago when I was unable to verify my identity due to an outdated phone number on file. Despite updating my contact information and spending significant time on the phone with USAA representatives, the system repeatedly failed to verify my identity. I even purchased a new phone service to receive verification codes, but the issue persisted. 

I escalated my concerns multiple times, including to USAAs escalation team and a representative from the Office of the CEO, but no resolution was provided. Most recently, this unresolved problem prevented me from accessing funds needed to pay my rent. I was forced to use another financial institution to meet this critical need, further highlighting the failure of USAAs processes. 

As a long-standing customer, I find this level of service unacceptable. USAAs failure to resolve this issue points to systemic flaws in their processes and customer support. This has created significant inconvenience and undermined my trust in their ability to handle essential banking services reliably. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate steps to ensure USAA addresses these deficiencies and implements reliable solutions to prevent similar issues for myself and other customers. 

Thank you for your attention to this matter. 

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 2024-11-19 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:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This is my 3rd attempt. I have been trying to find an affordable option since XX/XX/year>. Please see my last submissions to you. They are DUAL TRACKING and are foreclosing on our home while keeping our hopes alive of a loan modification or forbearance. 

I am actually in the process of pulling $ out of my wife 's XXXX to pay back the past due amount but I had a sheriff come to the house this past Saturday and then the attorney who I attempted to call last week ( no answer ) sent a letter certified this week. 

I would rather get caught up to stop the foreclosure and then enter into a 3 month forberance plan to help us out. But this company, Shellpoint, has been stringing me along for 9 months and every time i send in all the required docs then they ask me to send in more. It is a vicious cycle

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 2024-11-19 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation