vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 I was checking the tracking number of an order I was supposed to receive. My computer froze with a message reporting that the site was not a " secure '' site and to call XXXX at the listed telephone number. After long conversations I was convinced that I was talking to a representative of my bank ( USAA Federal Savings Bank ). This representative told me that on several occasions 2 companies had tried to hack into my savings account and it was USAA 's recommendation that I create a " dummy account '' for wire transfer. The company was XXXX XXXX in XXXX. When it was determined that my account was safe the {$12000.00} would be transferred back into my savings. 

After longer conversations, I realized that I was in-fact talking with the hackers. I immediately called USAA and reported it. The agent I spoke with tried to put a stop on the transfer but it was too late. USAA said it would take 7-10 days to finish their investigation. 

A few days later, while talking with an FBI agent from XXXX XXXX XXXX XXXX XXXX, I realized that USAA had not requested any information from me that may have resulted in getting my {$12000.00} back. I have names, telephone numbers ( the address from the company that I placed my order with- which was a series of numbers that I did a " reverse look up '' on and found out that it was in-fact the phone number for a legitimate company in XXXX  ) XXXX The same area where the dummy account that USAA suggested I open was located. The company was " dump truck salvage '' company, no longer in business. 

Can you please help me get this money back? I am a XXXX XXXX XXXX woman who has to wake up at XXXX in the morning to go to work. I have to work full time and was hoping to go part-time after a XXXX XXXX XXXX that I am having on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and I spotted an erroneous and unverified bankruptcy. Besides, Bankruptcy Courts do not share public record information to the Credit Bureaus.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have many incorrect and inaccurate Information on my credit report, Capital One/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting immediately action due to fraud and I have filled many of reports and I have been advised legally to take to further matters if this information is not removed as FCRA allows and regulations. Fix all inaccurate Information and delete immediately as this is my final request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Had a hard inquiry to XXXX credit report on XX/XX/XXXX. XXXX Milestone XXXX. Called on XX/XX/XXXX, spoke with XXXX and explained I did not request or authorize a card or credit check. XXXX stated the looks like identity theft and would block the account and report it. Also he would have the inquiry removed from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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:
These inquiries are not connected to me, and I did not give permission for them. I'm asking you to delete them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: TN

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report 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.

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 2024-04-01 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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: WI

Complaint narrative:
I contend that the late payment entry is inaccurate. 

Under the FDCPA, it is my right to request validation of this debt and proof of the alleged late payment. 

I urge your agency to conduct a thorough investigation into this matter and provide me with the following information : Documentation confirming the date and amount of the alleged late payment. 


Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this dispute expediently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.

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 2024-04-01 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: TX

Complaint narrative:
I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
I sold my house in XX/XX/year>. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.

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 2024-04-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OR

Complaint narrative:
I purchase I purchased a XXXX gift card from a XXXX XXXX supermarket back in XX/XX/2023 and immediately tried to register the car online and from there it said that the card was like flagged for suspected fraud and from there I tried to call multiple times to resolve the issue they would just tell me to resolve it online or via fax. I did both. I never heard back multiple times I then gave up I called back in XXXX and they again replied with the same response they could tell me that I had a balance of US {$360.00} on this gift card. However, they told me that I still would need to fax them and that I did, and still have not heard back and now this is my last resort.

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 monetary relief
Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
These requests are not approved by me and are irrelevant to my monetary exercises. I demand their prompt expulsion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX  - XXXX, XXXX XXXX- XXXX, XXXX  - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX  - XXXX Incorrect Name - XXXX XXXX XXXXXXXX - Remove all incorrect personal Information Incorrect DOB - XXXX  - Remove all incorrect personal Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: WI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: MN

Complaint narrative:
Sent a certified letter to Transunion regarding a Bankruptcy that is reported on my credit report. I provided a letter from the XX/XX/XXXX stating that they do not confirm or send information to third parties and/or credit bureaus. Yet, I received a letter on XX/XX/year> stating that they verified that the information was correct. They did not provide any documentation that I requested. Nor have the honored the letter from the XXXX XXXX XXXXXXXX stating the above.

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 2024-04-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2024-04-01 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: FL

Complaint narrative:
Recently. I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, 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. 

Please remove the following items from my credit report, immediately 1. XXXX  XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

2. XXXX XXXX XXXX XXXXXXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

3. XXXX XXXX XXXX XXXX  - This account is being reported inaccurately. Please remove this from my credit report immediately. 

4. XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief