vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  was paid off approximately in XXXX of 2024, the collection agency could not provide a receipt. 
XXXX XXXX  credit card was paid off I have the letters but they still show on my credit report Im in a forbearance program with my federal student loan company but they are steady reporting late payments onto my credit

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 2025-01-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
A large monetary CD matured on XXXX. I requested to close account on maturity date. Received confirmation. Waited several days for transfer of funds to my bank acct. Received an urgent note from Marcus to call. Did so. They said bank was not verified. I gave them another bank acct. at different bank. Next day, XXXX way call in which my bank was verified. That was on XXXX. Was told by Marcus rep that the transfer of funds thru XXXX would be XXXX to XXXX business days. I have called EVERY DAY since and spoke with several supervisors who claimed over and over the account was in closed status. Today is XXXX and XXXX more calls today claimed again the funds were in closed status and ONCE AGAIN wait XXXX to XXXX business days. My online account wont give me any status AND after daily emails the supervisors claim they CAN NOT send any updates!!! How can Marcus Goldman Sachs get such high ratings?!!! Please help. This is our life savings and were XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: AL

Complaint narrative:
I booked an XXXX using my Discover card through XXXX. The listing for the XXXX  was deceptive in that it wasn't anything near what was described in the photos- the place was not safe for me & my dogs to stay, therefore I had to make other arrangements. I never got out of my car, never entered the property. I filed a dispute with Discover, gave them photos of what was advertised, what the place actually was, showed where XXXX stated they were going to give me a {$200.00} credit back to my XXXX account which would credit back to my Discover Card, sent all the bills from my Discover Card showing payment ( all numbers matched for the XXXX transaction ), found out that the host wasn't licensed/permitted to have an XXXX  in the area- I gave Discover Card everything they asked for and they denied my disputed because I paid through XXXX using my Discover card- which Discover knew from the beginning. All receipts state " Discover/XXXX XXXX and they accepted the dispute. I can not dispute through XXXX because they state it had to be disputed through the credit card company because XXXX isn't a form of payment. This was a deceptive intent on behalf of the XXXX host in that the fence was rotten, it was located on a busy 4 lane highway, not residential as described, it didn't have " private parking '', you parked on the street, didn't have a private entrance - everything was deceptive and Discover Card said I " authorized '' the transaction. I didn't get what I was paying for. They didn't even care the person wasn't licensed in the city. They have been rude, hateful, one supervisor told me " they offered a roof over your head and you declined it ''. No, they offered a roof, fenced in yard, private parking, private entrance- she then told me to give her a " breakdown '' of each item they didn't have. Discover Card is supposed to protect us against fraud/deception and instead they gave this thief my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
FTC Report NumberXXXX XXXX XXXX XXXX Account number XXXX. 

XXXX Tracking- Pending, I Have Mailed Correspondence To Experian Legal HeadQuarters At XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Pursuant to FCRA 605B Block Fraudulent Account Within 4 Business Days Of Receiving Complaint. 

XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Experian XXXX XXXX XXXX XXXX, XXXX. 

The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i. 

Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file. 

I Have Enclosed Exhibits Showing When Account Was Removed On XXXXAnd Once I Added Fraud Alert The XXXX XXXX XXXX Account Was Reinserted ON XX/XX/year>

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 2025-01-11 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:
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 explanation
Consumer complaint received 2025-01-10 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-01-10 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: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/year> - Called Prepaid Gift Balance regarding gift card not working. Tried to use at XXXX, and many other vendors. Verified balance was available of {$50.00}. Customer service with poor XXXX stated they would replace gift card. Provided many Personally Identifiable Information, including DOB, and other sensitive information to put on file for this card. Had to speak one letter at a time. 
XX/XX/year> - Replacement gift card received. Can not activate through automated system. Automated system states invalid card information. Spoke to representative. Took multiple calls. First representative hung up on me. Second representative states to wait 24 hours because attempted too many times and failed, after researching with " Specialist ''. Both representatives had poor XXXX speaking and understanding skills. 
XX/XX/year> - Attempted to activate replacement gift card again. Can not activate still as system states invalid information provided. Spoke to representative. Insists replacement card works fine. Says new replacement card has to be sent again. Representative 's XXXX speaking and understanding skills were poor.

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 2025-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have already submitted a complaint, but the response was an absolute fabrication of the events. The office did not reach out. US Bank did not follow the applicable law, and no funds should have been removed. I have a stay of garnishment from the appeals court. I called the garnishment dept. and they said it was too late the payment had been mailed out. US Bank is now failing to accept responsibility, and I will have to take legal action. I have sent them all of the paperwork proving the events and they have not responded appropriately.

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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
So I opened a synchrony XXXX credit card account as a way to build my credit. My check is deposited to my cash app account every week on Thursday and I had set up automatic payments. I would see the payment amount come out of my balance from cash app for the credit card payment and then Id get an email saying the funds were returned to my bank but Id never see the funds in my account. This kept happening. I called synchrony and the lady explained things to me said it occurred because of insufficient funds so I told her I saw the funds come from my account but not come back to my account as stated. I thought it was XXXX fault. She added my account and routing information for the payment and we figured out a way to make sure there was funds and I provided proof that there was the next time it happened. They were suppose to mail me a check for {$130.00} to repay me and I tried to pay off the remaining {$14.00} debt to the credit card. But again funds were taken and sent back without showing up in my account. I told them I wanted to close the account. 

I got mail offering me a XXXX XXXXXXXX card and signed up for it cause now my credit is worse than I had started off with. Im still trying to fix it. I got approved and again I make the payment. The funds come from my account and I get an email saying it was returned but the funds are actually in my balance. I call my employer and request my direct deposit be transferred from cash app to XXXX. It finally went through and yesterday I got paid via XXXX and I spoke with XXXX XXXXXXXX and paid off the full balance with no issues. And I am fixing to call the XXXX credit card to pay off the {$14.00} and inquire about the check Im suppose to receive. 

I also have had many times that Ive ordered something from XXXX the funds come from my account and I receive a delivery date the item is shipped and then the item gets held but I never received the funds back to my cash app balance. So Im guessing this is also on behalf of cash app. Im going to shut down my cash app account completely and just in case anyone else is having these same issues I wanted to make a report. Because as a live in caregiver with XXXX kids I dont earn a lot of income and cant afford to have my funds stolen from me constantly. And now the repairs I have to make to my credit are ridiculous and not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I have had a credit card with my XXXX XXXX for almost 12 years. 
In XX/XX/year> I discovered that Experian is not reporting the credit card on my credit report. 
The information is correct on XXXX and XXXX. 
As this is my only line of credit, since I do not have a credit score with Experian I also do not have a FICO score and can not apply for loans. 
I have been calling Experian at least once a month since XX/XX/year> and have received no resolution. I have filed multiple disputes and internal cases. The most action they continue to take is sending me a new credit report, which remains 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Over the course of five transactions, money was fraudulently deducted from my bank account via XXXX transactions that I did not authorize on any device. This began in XXXX of XXXX all the way until XX/XX/year>. Over the course of these issues, I requested and received records and confirmed that the transactions were fraudulent. Huntington blamed XXXX and their security and XXXX blamed Huntington as the person who hired them. I have lost over {$900.00} due to these transactions- each to different names and none of which I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
Inaccurate credit reporting. My student loans were in deferment with XXXX and since they took over i have incorrect information reporting that has damaged my credit report. I called and they advised me to call the credit agency. They are reporting inaccurate according to US Code 1681. I will file litigation suit against them if this isn't resolved. I am so sick of inaccurate credit reporting and you allow them. According to them, I was in forebearence. If thats the case why are you reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
Inaccurate credit reporting. My student loans were in deferment with XXXX and since they took over i have incorrect information reporting that has damaged my credit report. I called and they advised me to call the credit agency. They are reporting inaccurate according to XXXX XXXX XXXX. I will file litigation suit against them if this isn't resolved. I am so sick of inaccurate credit reporting and you allow them. According to them, I was in forebearence. If thats the case why are you reporting inaccurate information

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 2025-01-10 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections XXXX 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 XXXX XXXXXXXX as proof from the XXXX 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX 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 from company Transunion. Please delete the following accounts. 

XXXX - XXXX XX/XX/XXXX {$85000.00} XXXX XXXX - 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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My data was breached all XXXX inquiries are not mine under the FCRA XXXX XXXX XXXX I demand that it be deleted 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