vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I am reaching out as a victim of a data breach and identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following unauthorized accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$270.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : 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 2024-11-02 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the following account to be removed : Fraudulent Accounts : 1. XXXX o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : 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 2024-11-02 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX  # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-11-02 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX XXXX  XXXX number : XXXXXXXX XXXX XXXX  : number : 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 2024-11-02 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: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma gave me a falsely pre-approved report for a credit card ( XXXX  XXXX ) on XX/XX/XXXX of 2023, Once applied for the credit card I was denied of the credit card after already being pre-approved by credit karma several times before. Ive contacted Credit Karma about this issue but was suggested that XXXX credit bureau would be able to help with the issue. Credit Karma was unhelpful and was not able to resolve any issues. This resulted a decreasing of my credit score along with an hard inquiry of several years to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying for almost 2 years to have a credit freeze lifted from Transunion. They keep telling me that I do not have one but I can't purchase a vehicle due to the credit run shows a freeze. I asked for a manger to callback and it's been 1 year since that request. Having to hold for for over an hour has just discouraged me from calling back. Pease help.

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 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AmeriCash Holding LLC
State: MO

Complaint narrative:
I took a {$250.00} payday loan out in 2021 and have paid XXXX back to them with NOTHING GOING TO THE PRINCIPAL! They are charging me over 300 % interest and not a dime has been applied to the XXXX original amount! This could go on for the rest of my LIFE! They are predatory lenders, and this surely can not be legal! To apply NOTHING TOWARD THE ORGINAL AMOUNT BORROWED IS OUTRAGEOUS!! I have no idea what to do as I can not get any original documents, and they have sent this to an attorney office even tho I have paid over 10x what I have borrowed years ago!! I need help to resolve this matter!!! DO NOT DO BUSINESS WITH THEM NO MATTER WHAT! 

Credit Box is the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a complaint regarding the unauthorized closure of my Bank of America credit card account. Despite paying off the full balance, Bank of America closed my account without notice or explanation. After satisfying the full balance, I was surprised to find that Bank of America had closed my credit card account without my consent or prior notification. This action has negatively impacted my credit score and caused inconvenience.

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 2024-11-02 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: NY

Complaint narrative:
I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$98.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$98.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-02 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 writing to formally request the blocking and deletion of fraudulent inquiries from my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following unauthorized inquiries : Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : 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 non-monetary relief
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$98.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2024-11-02 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: GA

Complaint narrative:
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation.

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 2024-11-02 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: OH

Complaint narrative:
Fraudulent account 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  {$730.00} My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a XXXX period for debt validation, I am requesting that you provide me with the following documentation within XXXX days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

15 U.S.C. 1681s-2 \nThis section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i \nThis section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Also, If these accounts are old, it is illegal in itself to create a new date to start the XXXX years over that XXXX has which states a debt come off credit after XXXX years in XXXX Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank has reported on my XXXX XXXX  that there is a remaining balance on my account I have attempted to resolve this with their customer service department and their collections department and they have left with with no choice but to make a complaint with the CFPB and XXXX  due to their noncompliance of their own policies. 

I know they usually read a disclosure upon opening up an account with them as any bank should, but since I wasn't present in the account opening process ( via unauthorized account opening ). 

The second issue is when I called US Bank a second time they told me that this account was something called a " Safe-Debit '' Account and they do not allow overdrafts at all from what the representative said. 

I also did mention that I made a police report to the local authorities since I have no knowledge of this account at all. 

Since I didnt open any account with them nor do I have any plans on opening any in the future. 

So to conclude, there a re two main issues in this report. 

XXXX. ) Unauthorized Account Opening. 

XXXX. ) Non-Overdraft Eligible Account I know my rights have been violated, Therefore I DEMAND that this account be removed off of my XXXX XXXX  and every other report that would report a checking account ( ex : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX etc. ) This has been going on for such a long time with no resolution. 

I will not take this report down please do not call me to negotiate anything to do with this matter. 

Thank you for your time.

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 2024-11-02 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:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

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 2024-11-02 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: FL

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

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 2024-11-02 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXXXXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 explanation