vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
My XXXX XXXXXXXX was hacked and someone got a hold of all my important info like bank acct, drivers license, home adress and etc. And they start transferring money from my bank to XXXX that I didnt authorize at all. First the money transferred was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$5000.00} and on XX/XX/XXXX again for {$10000.00}. US bank said that they cant do anything because it was wired transfer and wire transfer is irreversible. So i filed again and same thing they told me that it was irreversible. They told me that the only thing i will get a refund is if the receiving bank is willing to return my money back. This is my money and this is total fraud. I didnt authorize these. Weve been with US bank for over 20 years now and its sooo sad that they are not willing to help us on our lowest point. I feel that we arent protected especially our money with them. I feel that they failed us big time for not protecting our money. 

Ps. They closed our old acct and we opened a new acct.

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 2024-10-19 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: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report. I would like you to remove every Charge-Off and Collections. This information is not accurate XXXX Credit Bureau company keeps reporting the wrong information on my personal credit report I've request a thorough investigation into this matter and sent a written request by certified mail. They keep sending my request back with a few days. I recently obtained a copy of my credit report and noticed that it contains charge-off and collections entries that are inaccurate. I have been disputing these credit card and collection disputes for over ( 7 ) years. Im being harassed and threatened daily. Im unable to obtain a home mortgage and Ive been denied credit recently per my information has been sold to the Dark Web. My rights have been violated with false information Per the Laws of FCRB and the CFPB the following 15 US Code 1601, 15 US Code 1692 ( b ). 15 US Code 1692 ( g ), 15 US Code 1681 ( b ), 15 US Code 1666B. Im requesting validation of debts from each account.

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 2024-10-19 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: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report. I would like you to remove every Charge-Off and Collections. This information is not accurate XXXX Credit Bureau company keeps reporting the wrong information on my personal credit report I've request a thorough investigation into this matter and sent a written request by certified mail. They keep sending my request back with a few days. I recently obtained a copy of my credit report and noticed that it contains charge-off and collections entries that are inaccurate. I have been disputing these credit card and collection disputes for over ( 7 ) years. Im being harassed and threatened daily. Im unable to obtain a home mortgage and Ive been denied credit recently per my information has been sold to the Dark Web. My rights have been violated with false information Per the Laws of FCRB and the CFPB the following 15 US Code 1601, 15 US Code 1692 ( b ). 15 US Code 1692 ( g ), 15 US Code 1681 ( b ), 15 US Code 1666B. Im requesting validation of debts from each account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account 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 2024-10-19 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: IL

Complaint narrative:
I recently checked my credit report and found pursuant to consumer law, specifically UCC 9-506, a repossession entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately.

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 2024-10-19 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX XXXX : {$910.00} XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXXXXXX Account number : XXXX Balance : {$1800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$3100.00} XXXX Account number : XXXX Balance : {$490.00} XXXX XXXX  Account number : XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Balance : {$1800.00} XXXX Account number : XXXX Balance : {$1800.00}

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$910.00} XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXXXXXX Account number : XXXX Balance : {$1800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$3100.00} XXXX Account number : XXXX Balance : {$490.00} XXXX XXXXXXXX Account number : XXXX Balance : {$540.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00} XXXX  Account number : XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX account number begging with XXXX opened under my name on XX/XX/year>. I believe XXXX XXXX XXXX XXXX has violated the truth in the lending act, codified in 15 USC 1601, by failing to provide accurate and transparent disclosures related to the loan terms and payments.

specifically, I have identified the following issues : 1.failure to disclose proper terms : the loan documentation provided to me did not clearly explain the interest rat, finance charges, or repayment terms in a manner that was understandable and compliant with the required disclosures under 15 USC 1601.

2.unclear finance charges : the amounts charged in connection with my loan appear to have been inflated, and I was not provided clear, itemized statements of the finance charges as required under the truth in Lending Act.

3.erroneous billing and statements : I have received statements with incorrect amounts, and XXXX XXXX XXXX XXXX has failed to rectify the despite multiple attempts to resolve the issue. The past due amounts listed are not consistent with what was initially agreed upon. 

in light of these violations, I am requesting a full investigation into the handling of my auto loan and that the CFBP ensures that XXXX XXXX XXXX XXXX  complies with 15 USC 1601 and corrects these issues. Additionally, I am requesting that any incorrect information reported to the credit bureaus in relation to this account be removed 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
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
I am writing to formally file a complaint againstXX/XX/XXXXXX/XX/XXXX account number begging with XXXX opened under my name on XX/XX/year>. I believe XX/XX/XXXX has violated the truth in the lending act, codified in 15 USC 1601, by failing to provide accurate and transparent disclosures related to the loan terms and payments.

specifically, I have identified the following issues : 1.failure to disclose proper terms : the loan documentation provided to me did not clearly explain the interest rat, finance charges, or repayment terms in a manner that was understandable and compliant with the required disclosures under 15 USC 1601.

2.unclear finance charges : the amounts charged in connection with my loan appear to have been inflated, and I was not provided clear, itemized statements of the finance charges as required under the truth in Lending Act.

3.erroneous billing and statements : I have received statements with incorrect amounts, andXX/XX/XXXX has failed to rectify the despite multiple attempts to resolve the issue. The past due amounts listed are not consistent with what was initially agreed upon. 

in light of these violations, I am requesting a full investigation into the handling of my auto loan and that the CFBP ensures that XX/XX/XXXX complies with 15 USC 1601 and corrects these issues. Additionally, I am requesting that any incorrect information reported to the credit bureaus in relation to this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Around XX/XX/year> I filed a police report with my local police department for Fraud that has effected my American Express XXXX XXXX Credit card. I notified American express, and partial of the fraudulent purchases that was made was refunded as a credit on my account, however, the remaining fraudulent transactions were not credited or reversed back. Ive been dealing with this matter for the past XXXX  months still unresolved. I contacted American Express multiple times in attempt to resolve this matter, and they refuse to address it when the fraudulent charges were reported within a 30 day time frame. I would like to resolve this matter, and be able to use my American Express account being that im not responsible for the fraudulent deposit made to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had gone to XXXX  XXXX back in XXXX XXXX and visited the restaurant " XXXX XXXX ''. They charged my credit card as i ate food there. I am currently in XXXX XXXX now as i live here and on XXXX XXXXthe restaurant charged my credit card for the amount of {$70.00}. I had filed XXXX disputes with my bank ( td ) and they denied it twice. I even faxed them proof that i was in XXXX  XXXX  at the time of the fraudulent charge and that there was no way i could have been in XXXX  XXXX. Unfortunately nothing has been resolved and i should NOT be responsible for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IA

Complaint narrative:
Discover will not let me use the $ XXXX credit line that I have because they said I have a few disputes open that are pending. They are suspecting fraudulent activity on my card, but I have called in and verified twice that everything is okay on my end. 

They are stating that since I have open disputes ( which is allowed under finance laws ) I am not allowed to use my credit since it would put me over my total credit limit. How is that legally allowed? That credit amount from the disputes has been temporarily suspended from my account as it should be but I can't actually use the credit amount that is available. How is that legal? They are taking one side of the finance laws and then not allowing me to use my own card. That dispute credit is not for Discovers to take at their own will and decide I can not spend it. Where are the regulators stopping DiscoveXXXX from abusing this loophole??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following accounts : XXXX XXXX XXXX. Account number : XXXX Balance : {$14000.00} XXXX XXXXXXXX Account number : XXXX Balance : {$7500.00} XXXX Account number : XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The accounts are not my accounts and need to be deleted.

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 2024-10-19 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: IL

Complaint narrative:
I recently reviewed my credit report and identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness.

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 2024-10-19 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:
My file is merged with another XXXX XXXX XXXX social XXXX. I have provided proof of this as well as my Social Security Card, Drivers License, Utility Bill, Police Report, FTC report and a letter from the creditor stating this accounts should not be reporting under my information. The creditor in question XXXX XXXX stated that they have attempted to correct the issue with Equifax and was told by Equifax that the information was NOT being reported under my social and clearly it is. 

Secondly There is an XXXX XXXX account that has NOT updated on my report since XX/XX/year>. XXXX months ago. I have asked to have this updated and it is still not been done. The balance is significantly lower than in XX/XX/year> by XXXX % this is causing a dramatic drop in my XXXX score and is also inaccurate. They have ignored this request. 


They have ignored me and FCRA law. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was aware that the due date for my account was on XX/XX/XXXX. On XX/XX/XXXX, I set up an automatic payment for the " Statement Balance '' so that I would not be charged any interest on my balance. I logged into my account again on XX/XX/XXXX and found out that no automatic payment had not processed prior to the XX/XX/XXXX due date. Upon inquiry to the customer service team I was told " Since your XXXX due date had already been established, the automatic payment would not occur until your XXXX payment. '' This is an unfair business practice that places an undue burden on consumers. Even though I made proper arrangements for my statement balance to be paid in full more than XXXX weeks prior to the due date, I am now responsible for paying interest on that statement balance and possibly a late payment fee. Using an electronic payment system as the company does should not require such an unnecessary delay before payments may be applied. I feel this delay harms consumers who proactively arrange for payments weeks in advance, only to find out that their actions are not effective and they will be charged interest or added fees by the credit card company.

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 2024-10-19 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: SC

Complaint narrative:
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 XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation