vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: KY

Complaint narrative:
I deposited a check of {$280000.00} in my account at U.S bank on Friday XX/XX/year>. I got a letter in the mail stating that the funds would be available on the XXXX of XX/XX/year>. On Saturday the XXXX of XXXX, i called the maker to make a few inquires and i was told that the check is a dupicate check and it's currently under investigation. I told the customer care rep that the check is 100 % legitimate and that it can be verified. I asked if i can get the original check back so i can go to a different bank if they don't want to cash the check and i was told that a substitute check will be issued to me and my account would be closed. 

I contacted the sender of the check and i was told that my bank is free to contact them any time to verify the check and it's easy to know if it's a duplicate check or not. 

I would like the U.S bank to do their job and verify the check, they can take the physical copy to XXXX XXXX bank and do their due diligence. They can contact the originating bank to further contact the maker of the check to verify if it's legitimate, it's not rocket science. Unless they have another reason why they've refused to release my funds other than verification. 

It is unfair to not honor the check when it's 100 % legitimate. I think the reason is because it's a new account, this should have been communicated to me before " seizing '' my check and funds. 

Kindly assist in resolving this in a timely manner. All I ask is for the U.S bank to take their time in verifying the check properly, they'll definitely realize that it's 100 % legitimate, release my funds and allow me to continue banking with them. 

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 explanation
Consumer complaint received 2025-02-24 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: LEXISNEXIS
State: TX

Complaint narrative:
I have reached out to XXXX XXXX times once around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The previous complaints were XXXX and XXXX Each time they noted the record was verified and correct. Even after receiving a letter from the clerk of the court stating they do not verify with consumer reporting agencies. On XXXX website it states public records come from Lexis Nexis. On Lexis Nexis website it states that the public records it reports it contains errors and information is not 100 % accurate. By doing this violates my consumer rights reporting not 100 % accurate and complete information to my report. Violated by not maintaining an 100 % accurate information on my consumer report. Violations includes including 15 U.S.C. 6802, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681b, 15 U.S.C. 1681q, and 15 U.S.C. 1681c-2. This wrong information is hurting me from obtaining credit and purchase an home. Its also embarrassing having this inaccurate not true information on my report. I was told by an agent XXXX XX/XX/XXXX it would be removed in XXXX. Its still on my report this was initiated XX/XX/XXXX for reinvestigation. XXXX also use the complaint from the CFPB as an dispute. This is not to dispute but to investigate XXXX handling in this already disputed account on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
Earlier this year I tried to get my cr3dit report corrected .now my score has dropped so far down .I 've disputed 13 credit inquiries, 3 collections 2 delinquent pays

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 2025-02-23 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: GA

Complaint narrative:
XXXX XXXX Credit card inconsistent reporting violating FCRA XXXX XXXX : Acct # XXXX, Balance {$8300.00}, Experian , Transunion XXXX XXXX : Acct # XXXX, Balance {$3400.00}, Transunion 1 XXXX Inconsistent Balance Reporting Issue : The High Balance on the TransUnion record is reported as {$8200.00} while the Balance Owed is {$8300.00}. Typically, the high balance should reflect the maximum amount owed, so having a current balance exceed that number suggests an inaccuracy. 
Potential Violation : XXXX 15 U.S.C. 1681e ( b ) : This section requires that consumer reporting agencies maintain and report information with maximum possible accuracy by following reasonable procedures. An inconsistency like this may indicate a failure to meet that standard.

2. Discrepancies in Reporting Dates and Account Status Issue : The same account shows conflicting datesTransUnion lists both the Date Reported and Closed Date as XX/XX/XXXX, while Experian shows a Closed Date of XX/XX/XXXX. Such discrepancies can mislead consumers about the actual status of the account. 
Potential Violation : XXXX  15 U.S.C. 1681e ( b ) : The requirement to maintain accurate records is at stake here. Inconsistencies across different bureaus might indicate that one or more agencies are not following the necessary procedures to assure maximum possible accuracy.

3. Ambiguous Dispute Status Notation Issue : On the Experian record, the dispute status and creditor remarks read Account previously in dispute? now resolved? reported by subscriber. The ambiguity in how the dispute is resolved ( or not ) may confuse consumers and fail to provide clear information.

Potential Violation : XXXX 15 U.S.C. 1681i ( a ) : This section governs the reinvestigation process for disputed information. The FCRA requires that disputes be clearly noted and resolved in a manner that is understandable to the consumer. Ambiguity in the dispute status could be seen as a failure to comply with this mandate. 

Legal Compliance and Consumer Rights It is my expectation that the investigation will adhere strictly to all legal requirements, thereby safeguarding my consumer rights throughout this process. 
In the event that any discrepancies or unresolved issues remain, I trust that you will notify me immediately and outline the measures that will be taken to resolve them. 
Please consider this letter as confirmation of my expectations regarding this matter. I look forward to receiving the final report and a resolution in line with the timelines stipulated by law. If additional information is required on my part to facilitate the investigation, kindly inform me at your earliest convenience. 
Thank you for your attention and cooperation.

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 2025-02-24 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: MS

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Following XXXX XXXXXXXXXXXX XXXX and XXXX from XXXX XXXX in XXXX from XXXX - XXXX and being therein microagressioned and gaslit from foreign employment relevant to intentional socioeconomic and financial foundational destabilisation ; to a later period following of which from XXXX ; a myriad of otherwise XXXX, XXXX XXXX, and XXXX companies would have undertaken a myriad of consumer oriented abusive directed actioning and illustrationing towards that of self. To wheresoin on any examination of utilising that of a stated product or consumer, even to regard of actually paying for such stated service ; various technological and otherwise consumer based organisations would have illustrated to regard of representationalising, associating, and proximalisationing that of female employees working at their stated company, directed at arranged psychological even if not actualed relationing to Younger Brother XXXX XXXX XXXX to own further basis of socioeconomic and otherwise extrapolation or exploitation pertaining to identity trafficking and thefting ; even to a sense of paying for that of their consumer services. To wheresoin on utilising any such therein stated consumer services, a female employee therein posited to current or otherwise future arranged relationing to XXXX XXXX XXXX ; would be engaging to a sense of corporated abuse towards own regard of data harvesting and privacy informational XXXX, therein to furtherwise destroy own basis of life and contribitionalise towards directed socioeconomic deprivationalisationing, impoverishment, and degradalisation of foundational wellness to self ; therein to that of his and their therein coupled relational gain or gratification given abuse of employee position ; such therein represented to any and every sense of consumer, professional, or commercial utilisation even if paying for stated services ; and posutulating that to every sense of eradicating own basis of which to life simply being to the interests of the organisations consumers to therein cover up such arrangemented relational fraud towards own extrinigication, abuse, and exploitation relevant to organ surrogisation, XXXX and harvesting. Such would have occurred across a range of different companies ; relational to Bank of America, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ; similarly relevant to that of a myriad of Law Enforcement and Government orchestration oriented to empowering Commercial firms to the consumer exploitation of self ; towards dismantling, degrading, and destroying similarly the ability to engage in Commerce.

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 2025-02-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-02-24 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX electronic transfers to XXXX occurred on my account totaling {$7500.00} ( {$3500.00} and {$4000.00} ). Webster Bank was notified on XX/XX/XXXX regarding the fraud on my account. The funds were returned to my account on XX/XX/XXXX pending investigation. On XX/XX/XXXX Webster notified me and withdrew the total amount claiming that since greater than 60 days had elapsed ( 68 days ) both XXXX and Webster were not liable for the charges fraudulently made on my account. 

I never received alerts asking for verification on these charges which coming from a XXXX should have raised security flags within their fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
This letter is to formally dispute unauthorized hard inquiries appearing on my credit report. I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides me with the right to dispute inaccurate or incomplete information in my credit file. Specifically, I am disputing the following hard inquiries : Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX. Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries are unauthorized and fraudulent. I did not authorize these entities to access my credit report. I have attached a copy of a police report [ Police report number XXXX. This police report serves as evidence that these inquiries were the result of fraudulent activity. 

I demand that you immediately remove these unauthorized hard inquiries from my credit report. 

Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into this matter. Failure to remove these fraudulent inquiries promptly will result in further action and pursuing legal action to protect my rights. 

I expect written confirmation of the removal of these inquiries within 14 days, as required by the FCRA.

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 2025-02-24 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: TX

Complaint narrative:
This letter is to formally dispute unauthorized hard inquiries appearing on my credit report. I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides me with the right to dispute inaccurate or incomplete information in my credit file. Specifically, I am disputing the following hard inquiries : Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX. Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries are unauthorized and fraudulent. I did not authorize these entities to access my credit report. I have attached a copy of a police report [ Police report number XXXX. This police report serves as evidence that these inquiries were the result of fraudulent activity. 

I demand that you immediately remove these unauthorized hard inquiries from my credit report. 

Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into this matter. Failure to remove these fraudulent inquiries promptly will result in further action and pursuing legal action to protect my rights. 

I expect written confirmation of the removal of these inquiries within 14 days, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year> is a clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

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