vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
I am requesting for Transunion to delete these fraudulent accounts immediately from my credit report. I am victim of identity theft and I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my FTC report to this correspondence.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I'm not why us bank keeps lying to me and attempting to withhold my money also why they haven't told the the truth because I also recorded the phone calls between there employees and I ..... They have still not complied with ADA act rules the rules and regulations supposedly let US bank is supposed to have!!!!!!!! They claimed I was never sent ID theft packet which was a lie I'm really exhausted over the the repeated lies and belittling treatment that I keep receiving from US bank employees.!! I was sent an ID theft form three time 's get your Facts straight please also a thorough investigation still has not been done yet because I have a lot of proof disregarding all of the things you said were true, everything highlighted in yellow is fraudulent if it's highlighted in pink then it's correct and these are the only statements I could take a picture of I have everything though

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 2024-11-26 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:
My credit report lists hard inquiries I never authorized. Kindly resolve this.

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 2024-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to explain the situation regarding the unauthorized charges on my credit card account that I encountered in XX/XX/year>2023. 

Upon reviewing my statement, I noticed several charges totaling nearly {$3200.00} that I had not authorized to my Bank of America credit card. Concerned about these transactions, I promptly contacted my credit card company and spoke with a representative named XXXX in their fraud department. I explained the situation to her, and she assured me that she would cancel my old card and issue a new one. I inquired if there was anything further, I needed to do, and XXXX confirmed that there was not. She provided me with a case number ( # XXXX ) for my reference. 

However, after our conversation, I did not receive any follow-up communication from Bank of America XXXX Subsequently, I received a letter from Bank of America acknowledging my inquiry about potential fraudulent usage on my account. The letter stated that the unauthorized attempts were deemed unsuccessful, which raised further confusion on my part, as I was still being charged for those transactions. 

In my effort to resolve the matter, I contacted the Bank of America again to clarify the discrepancies in their letter. I reviewed each disputed charge with them, but did not receive a satisfactory response. To my surprise, I later received another notification indicating that my credit limit had been reduced from {$12000.00} to {$4000.00}, attributed to my account being past due. I explained that my inability to make payments was due to the disputed charges not being mine, but this did not seem to alter their assessment. 

Regrettably, three weeks later, my account was shut down, leaving my balance unchanged and the issue unresolved. 

I appreciate your attention to this matter and hope for a prompt resolution to the unauthorized charges and the impact they have had on my account. 

Thank you for your understanding.

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 2024-11-26 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonableXXXX 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 2024-11-26 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonableXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
I'm Submitting this complaint to report a fraudulent account that have appeared on my consumer XXXX credit report, which I do not recognized and believe to be the result of identity theft and fraud. The fraudulent accounts are as follows : XXXX. XXXX Open Date XXXX Account number XXXX. I'm requesting the immediate removal of this fraudulent item from my consumer credit reports and that all associated collections activities be halted, in accordance with my rights under the Fair Credit Reporting Act. ( FCRA ) and Fair Deft Collections Practices Act ( FDCPA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
I'm Submitting this complaint to report a fraudulent account that have appeared on my consumer XXXX credit report, which I do not recognized and believe to be the result of identity theft and fraud. The fraudulent accounts are as follows : XXXX. XXXX Open Date XXXX Account number XXXX. I'm requesting the immediate removal of this fraudulent item from my consumer credit reports and that all associated collections activities be halted, in accordance with my rights under the Fair Credit Reporting Act. ( FCRA ) and Fair Deft Collections Practices Act ( FDCPA )

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 2024-11-26 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: FL

Complaint narrative:
Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

To soport this claim, I have enclosed the following documents : 1 : copies of previous credit report showing Discrepancies inacury information 2 : Dispute letter sent to Equifax Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXXXXXX

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 2024-11-26 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: FL

Complaint narrative:
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 XXXX : 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 XXXXXXXX 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 EQUIFAX 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 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 non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
There are illegal reports and hard inquiries on my credit report that are preventing me from accessing my own credit and I would like them delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CT

Complaint narrative:
This complaint is to report a violation of the Equal Credit Opportunity Act against US Bank.The facts are below : On XX/XX/year>, an application was submitted for a US Bank Certificate of Deposit, ID XXXX through customer service representative.As part of the application process, the representative ask if I was in military service, of which I responded 'yes ' as a service member. 
On XX/XX/year>, an application was submitted for the US Bank Smartly Visa Signature Credit Card and Savings account ID XXXX via online portal.Once submitted, my credit report was pulled as part of the evaluation process to establish credit. 
On XX/XX/year>, I received a letter dated XX/XX/year> requesting documents to confirm my identity.These documents include government issued photo ID, 2 years of tax returns, SSN, and 2 months of personal checking statements. 
On XX/XX/year>, all relevant documents totaling 160 pages were faxed over the number listed in the letter including driver 's license and military credentials. 
On XX/XX/year>, I received two letters from US Bank dated XX/XX/year> and XXXX letter dated XX/XX/year> stated that the authentication department could not verify my identity, therefore denying the establishment of the Smarty Savings account.The letter dated XX/XX/year> stated that I, as the applicant have been denied an account due to " ... previous poor experience with the credit grantor ... ' On XXXX a series of phone calls were made to extract more detail regarding the 'previous poor experience ' but to no avail.Calls to underwriting were fruitless as I was directed to the authentication department as they were the department that denied my application.The only previous business relationship I had to US Bank is through a credit card with Fidelity investments via XXXX XXXX XXXXXXXXPer my credit report XXXX this account was closed at my request and was current with no late payments, delinquencies or any negative comments.When asked what my recourse is, if there was an appeal process to reverse the decision, I was told that future application submissions will be denied, thus discouraging me from applying. 
Despite being candidate with excellent credit, I was denied credit even though I qualify based on my XXXX score and a long established 20 year history of on-time payments.The only basis of these multiple application denials are rooted to my military service.US Bank requested to know if I was a service member and I provided my credentials only for them to levy a discriminatory ban for credit/banking account services in violation of 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