vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-10-26 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 XXXX 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 XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
My auto deposit payroll check for XX/XX/XXXX, was returned and XXXX notified me my checking account was closed. I went to US Bank and they said I was mail notification a month ago. Account closed and checks mail. I made an appointment to see branch manager. She told me it was closed and they had no posted reason. Checks were mailed and if I did not receive I could request them after XX/XX/XXXX. It was 2 checking account with $ XXXX in them. I have not received checks from the closed accounts. They closed them on XX/XX/XXXX. It is XX/XX/XXXX. It has caused my utilities to bounce and my XXXX XXXX to be suspended. No reason given have had an account for over 20 years and my saving two accounts are still open I have internet banking with them no notic on it just XXXX checking accounts gone no record these were good accounts with lots of perks.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
XX/XX/year> I received notification from my XXXX credit monitoring service that a indigo XXXX that I closed several years ago had new activity and was reopened. I logged into the account and it showed a {$3.00} monthly fee on an account with a XXXX balance. I called the customer service line XXXX and really was not able to get much assistance or explanation as to why I was being charged a monthly fee for an account with no balance, and for an account that was previously closed. She tried to explain something about new terms and conditions but this made no sense given the fact that the credit card should have already been deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
Hello so Im cleaning up my report from identity theft that was taken on me for years. So there is a vehicle loan on my credit report with Transunion and XXXX by XXXX XXXX  that is fraudulent and marked as repossessed says I owe a balance of $ XXXX, it was a scam and I sued for it and also had investigators involved on this and it was proven accurate with XXXX already and they removed it. I did the same with the other 2 bureaus but they didnt take any action. Or got back to me Only XXXX took action & responded, So now its inaccurate information on my report. 


Everything has to be 100 % accurate on my credit report. 

This ground for removal they also violated 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 Also the Credit bureaus took more than 30 days to complete my investigation EXCEPT 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 2024-10-27 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: LA

Complaint narrative:
XXXX  XXXX XXXX XXXX and XXXX was not given permission to disclose my personal information. I did not give consent to report this on my credit report or provide it to anyone outside of the XXXX  XXXX XXXX XXXX and XXXX. Under 15 U.S.C 1681B ( A ) Permissible Purpose of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.

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 2024-10-27 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: LA

Complaint narrative:
XXXX  XXXX XXXX XXXX and XXXX was not given permission to disclose my personal information. I did not give consent to report this on my credit report or provide it to anyone outside of the XXXX  XXXX XXXX XXXX and XXXX. Under 15 U.S.C 1681B ( A ) Permissible Purpose of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  XXXX XXXX XXXX and XXXX was not given permission to disclose my personal information. I did not give consent to report this on my credit report or provide it to anyone outside of the XXXX XXXX XXXX XXXX and XXXX. Under 15 U.S.C 1681B ( A ) Permissible Purpose of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.

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 2024-10-26 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: VI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-26 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: VI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I Had purchased my house and have a mortgage with XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. XXXX sold the loan to XXXX XXXX, XXXX ( Lakeview loan Servicing , LLC on XX/XX/year>. 
I did refinance my loan with another lender on XX/XX/year> and on XX/XX/year> my new lender paid XXXX XXXX mortgage fully and I were supposed to recive my XXXX balance in the amount of {$5600.00} after 15 days. 
I called XXXX XXXX  after 20 days and ask about my escrew and they said that they will issue the check to me and mail it and i should get it in the next 5-7 days. 
It has been 83 days and I di n't recive my escrew amount from my previouse mortage servicing XXXX XXXX XXXX

They Lie to me and what they do is a deceptive behavior and unhonest practice of holding consumer 's money and use it for their own benifits without my consent or any legit reason. I were supposed to get my escrew account after 15 days when they received a full mortgage payment from my new ll ; ender! what they did until this moment is not an acceptalble behavior from a mortgage compay and someone must be held accountanble for wasting my time and holding my money! 
logged in to my online portal and it said that they issued the payment to me on XX/XX/year> BUT this is NOT TRUE! 
I need to know why this compay did that, and to be punished by the law to the fulliest and they help accountanble for theior reckless behavior with consumers!

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This letter serves as my response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. After reviewing your response, I find that your company has failed to comply with applicable state and federal regulations concerning consumer rights and credit reporting. By not adhering to these legal standards, you have chosen to infringe upon my rights as a consumer, resulting in harm to my credit profile creditworthiness and financial standing. 

Due to your failure to uphold these regulatory obligations, I am left with no alternative but to initiate a formal complaint in my local district court. This action will address your non-compliance and seek appropriate remedies for the damages incurred as a result of your actions. You will find a copy attached to this compliant. 

I trust that, moving forward, you will take this matter seriously and review your procedures to ensure compliance with all applicable regulations to prevent further infringement on consumer rights. Should you wish to resolve this matter amicably prior to court proceedings, I am open to discussing a resolution that respects my legal rights and mitigates any further harm. 

Please direct any additional communication to me in writing at the address listed above. 

Thank you for your attention to this 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 2024-10-26 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: SC

Complaint narrative:
On XX/XX/year> I was alerted through Transunion of a collection account named XXXX XXXX XXXX acct # XXXX with an amout past due {$0.00} and a status of chargeoff/collection.i don't have a contract with is company or any financial obligation this is a fraudulent account that needs to be removed from my TRANSUNION crefit file immediately.

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 2024-10-26 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: SC

Complaint narrative:
On XX/XX/year> I was alerted through Transunion of a collection account named XXXX XXXX XXXX acct # XXXX with an amout past due {$0.00} and a status of chargeoff/collection.i don't have a contract with is company or any financial obligation this is a fraudulent account that needs to be removed from my TRANSUNION crefit file immediately.

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