vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX I was having issues connecting my external account to US Bank and spent an hour on the phone with them. Then on XX/XX/XXXX at around XXXX XXXX EST shortly after successfully linking my external bank and depositing {$25.00} into my US Bank savings and a {$100.00} deposit into my US Bank brokerage account, I was logged out and my online and phone application access locked. With US Bank I have 2 active credit cards, a savings account, and brokerage account and my wife also has 1 credit card with US Bank. I was actually approved for my first credit card with US Bank in XX/XX/XXXX, so I have been a customer of US Bank for almost the entire year. 

I asked support why my account was locked and the first support agent said because of maintenance, but I knew this was a lie because my wife was able to log into her account. When I confronted her on this fact and requested a supervisor, she terminated the call. 

I called again and the next agent said its standard that this happens and said that since I agreed to their electronic agreement, they hold the right to lock me out of my account anytime. They never gave me a specific reason why I was locked out, or anything that I could do now but wait 72 hours until Sunday XX/XX/XXXX to call in and see they could unlock the account. I again requested a supervisor and this time after a long wait I was able to get a supervisor. 

I requested permission to record the supervisor for this CFPB report, but she said recording is not allowed. I then asked if she could provide documentation of the conversation or a resolution or even a reason why I was locked out as documentation for this CFPB report and again she said that was no possible. 

Then she claimed that I just needed to wait 48 hours, and I could call in at any time on Saturday at XX/XX/XXXX to regain access to my account. I asked why I was told it was under maintenance and why I was also told 72 hours and now 48 hours and she could not give me an answer. 

I asked for a specific time when I could call, and she said any time on the XX/XX/XXXX. I asked if I could call at XXXXXXXX XXXX on Saturday and she paused and then clarified that it should be 48 hours after my last login attempt. I offered my ID, or any verification needed from me to resolve the issue now so I could regain access to my account. I was more than willing to hold for someone to authorize me, but no resolution was provided to me.

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 2024-12-05 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: NY

Complaint narrative:
I

t has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the relevant Credit Reporting Agencies ( XXXX, Transunion, XXXX ) that the disputed charge-off entry from XXXX XXXX XXXX was deleted from my XXXX secondary credit report following an investigation completed on XX/XX/year>. The account was found to be unverifiable, and XXXX has removed it from my credit file. 

I now request that all other credit reporting agencies, including [ Insert Names of CRAs ], conduct a thorough review and deletion of this same account. Since XXXX, one of the major CRAs, has already deleted the entry due to its unverifiable nature, it is expected that other agencies follow suit in accordance with applicable consumer protection laws. 

Legal Basis for Request Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to accurate and complete information on my credit report. If a debt or charge-off is found to be unverifiable, it must be removed from my credit report promptly. XXXX has already deleted this account, which has been verified as inaccurate, and therefore, the same must apply to any other credit report containing this account. Failure to remove unverifiable information within 30 days from the date of my notification is in violation of the FCRA. 

Furthermore, I remind the CRAs that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their report, the CRA must investigate and correct or delete the information within 30 days if it is found to be inaccurate. Should the account remain on my credit report and not be removed within the required timeframe, this will constitute a direct violation of my rights as a consumer. 

My Request I respectfully request that you take immediate action to remove the unverifiable XXXX XXXX XXXX charge-off account from my credit report within 30 days. If this information is not corrected or deleted in the specified timeframe, I am fully aware of my right to seek legal action and pursue any available remedies, including filing a lawsuit for damages under the Fair Credit Reporting Act and seeking statutory damages, punitive damages, and attorneys fees. 

Please consider this letter a formal notification of my dispute and request for deletion of the account. I appreciate your attention to this matter and trust you will act in accordance with the law. 

Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX : XXXX, Transunion, 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 2024-12-05 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: GA

Complaint narrative:
Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the relevant Credit Reporting Agencies ( Equifax, XXXX, XXXX ) that the disputed charge-off entry from XXXX XXXX XXXX was deleted from my XXXX secondary credit report following an investigation completed on XX/XX/2024. The account was found to be unverifiable, and XXXX has removed it from my credit file. 

I now request that all other credit reporting agencies, including [ Insert Names of CRAs ], conduct a thorough review and deletion of this same account. Since XXXX, one of the major CRAs, has already deleted the entry due to its unverifiable nature, it is expected that other agencies follow suit in accordance with applicable consumer protection laws.

Legal Basis for Request Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to accurate and complete information on my credit report. If a debt or charge-off is found to be unverifiable, it must be removed from my credit report promptly. XXXX has already deleted this account, which has been verified as inaccurate, and therefore, the same must apply to any other credit report containing this account. Failure to remove unverifiable information within 30 days from the date of my notification is in violation of the FCRA. 

Furthermore, I remind the CRAs that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their report, the CRA must investigate and correct or delete the information within 30 days if it is found to be inaccurate. Should the account remain on my credit report and not be removed within the required timeframe, this will constitute a direct violation of my rights as a consumer. 

My Request I respectfully request that you take immediate action to remove the unverifiable XXXX XXXX XXXX charge-off account from my credit report within 30 days. If this information is not corrected or deleted in the specified timeframe, I am fully aware of my right to seek legal action and pursue any available remedies, including filing a lawsuit for damages under the Fair Credit Reporting Act and seeking statutory damages, punitive damages, and attorneys fees. 

Please consider this letter a formal notification of my dispute and request for deletion of the account. I appreciate your attention to this matter and trust you will act in accordance with the law. 

Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX : Equifax, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Placed an unauthorized hard inquiry on my Equifax credit report without my permission. I did not authorize XXXX XXXX XXXX XXXX to check or request any of my credit information. This is fraud credit check inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on 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 non-monetary relief
Consumer complaint received 2024-12-06 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: MS

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. 

XXXX XXXX XXXX Collection Ally Financial- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX-Account Number : XXXX XXXX- Account Number : XXXX SXXXX XXXX- Account number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXXXXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : 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 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 XXXX 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 2024-12-05 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: CA

Complaint narrative:
XXXX XXXX XXXX I am reporting a fraudulent inquiry found in 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 non-monetary relief
Consumer complaint received 2024-12-05 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 2024-12-05 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all 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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The debt collector is attempting to collect a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification : XXXX XXXX XXXX. Theis accounts were reinstated without notifying me within the required XXXX window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law. Sincerely,

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 2024-12-06 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: FL

Complaint narrative:
I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification : XXXX  XXXX XXXX. XXXX accounts were reinstated without notifying me within the required XXXX window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law. Sincerely,

Company response to consumer: Closed with non-monetary relief