vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have had numerous conversations with numerous employees about a transaction that was incorrect. I have been trying to get this corrected since the end of XXXX to see how to correct this error. I was finally told that documentation needed to be sent by the bank that needed to say the funds were for me and should not be sent to the requesting bank. I had XXXX XXXX fax a statement stating these funds were mine, I had a XXXX of a US Bank XXXX follow up to make sure they had what was needed. She was told they did have everything they needed to address this situation. In following up again today I was told they did not receive the information even after the XXXX I have been working with was told everything was fine. I need help getting a truthful answer and this situation corrected. I am extremely frustrated as I don't believe the fraud investigation team is honest or interested in putting this to rest.

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 2024-11-05 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX  years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I have once again provided the information regarding the account in question : XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I dont recognize these accounts I did not authorize them and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the US Federal Trade Commission that the account mentioned above is 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 non-monetary relief
Consumer complaint received 2024-11-05 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:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to XXXX XXXX and send me a copy of my updated credit report. 

I provided bank statements that verified that XXXX Account # XXXX was never late and the late reporting for XX/XX/XXXX and XX/XX/XXXX are completely inaccurate. 

XX/XX/XXXX, the billing cycle closed on XX/XX/XXXX with payment was due on XX/XX/XXXX ( REFERENCE XXXX STATEMENT ). A payment of {$64.00} was made on the account for the month of XX/XX/XXXX on XX/XX/XXXX ( REFERENCE XX/XX/XXXX STATEMENT ). 

XX/XX/XXXX, the billing cycle closed on XX/XX/XXXX with payment was due on XX/XX/XXXX ( REFERENCE XXXX STATEMENT ). A payment of {$65.00} was made on the account for the month of XX/XX/XXXX on XX/XX/XXXX ( REFERENCE XX/XX/XXXX STATEMENT Pg. XXXX ). 

The late reporting for XXXX  Account # XXXX XX/XX/XXXX and XX/XX/XXXX are completely inaccurate and need to be updated to PAID/NEVER LATE.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: Cascade CISS Holdings, LLC
State: ID

Complaint narrative:
Approximately XXXX weeks ago I contacted Xactus, XXXX ( aka " Credit Plus '', " XactusXXXX '' ) to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, andXXXX XXXX  XXXX, XXXX. I have yet to receive any response from Xactus, LLC, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX. Additionally, I did notify Xactus, LLC of my revocation of my XXXX to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
I am writing to formally request the blocking and permanent deletion of unauthorized inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent inquiries removed from my credit report.

The following inquiries were not initiated by me and should be removed immediately : XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. 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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For almost a year i am not be able to login into the free Experian website because I have been a victim of identity thief for years. I have been fighting to clear my name. But Experian continues allowing these criminals to change my personal information even to open a paid website account. I have placed a credit freeze which gets removed the next day by the thief since they have my personal information. We have created PIN numbers to protect me and they still bypass the verification. They take out loans and multiple accounts. I have contacted Experian multiple times and they continue to let these criminals change my information and get access to my credit report. They ask me to mail information and they don't ask the criminals to mail them anything when I am the real person. They keep telling me that they will escalate the issue and someone will call me but nothing I can't login into the free membership but they let these criminals remove the freeze, the fraud alert and change my personal information even when they a written request from me asking to not let anyone change my personal information unless is in writing with a proof of identity.

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 2024-11-05 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 consumer report that have been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. INQUIRIES : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, please see attachments for Identification ( ID and copy of credit card billing statement ), police report case number, and Identity Theft 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 2024-11-05 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: FL

Complaint narrative:
I have identified accounts on my consumer report that have been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please see attachments for Identification ( ID and copy of credit card billing statement ), police report case number, and Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit scores I have XXXX from XXXX XXXX XXXX XXXX no history with experian. My bank XXXX uses experian I have no history with them so they gave me {$2000.00} credit card. I m XXXX yrs old I have a long history of credit. I can not get in touch with them no # all my information is on XXXX XXXX and XXXX. Please help me. My husband has XXXX I am his XXXX XXXX and I have power of attorney. As a woman I feel very slighted I have banked with them for XXXX yrs.

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 2024-11-05 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: CA

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-11-05 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: GA

Complaint narrative:
Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Demand for Removal of Late Payments on Credit Report SS # : XXXX Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP.

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The late payments never happen. Delete account under FCRA 168 Under Section 168 FCRA this Late Payments Dated XX/XX/XXXX and XX/XX/XXXX does not match my records nor the original creditors records to what reflects on my credit report there-fore this item MUST be deleted under this law. If not, Attorney Costs & Court Action will follow.

My consumer report is extremely valuable to me and I wish to advise you that willful non- compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation please provide me with an updated credit report as well as the names addresses and telephone numbers of the individuals that have been contacted. 

Best, XXXX 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 2024-11-05 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:
Transunion is currently reporting an inaccurate account XXXX XXXX XXXX  account # XXXX with a charged off status on my credit report with a balance of {$3000.00} and high balance of XXXX In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted 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 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX I spoke to someone over the phone with Synchrony Bank who held my JC Penny Credit Card. I let them know I had a balance due that needed to be paid and I wanted to just pay it completely off and close the account. They told me the total balance due was {$160.00} I paid the {$160.00} on the spot. I let them know I did not have the actual card that I had never received it in the mail. They asked if they should send another one and I said no I want to be sure the account is closed and they said it would be. 

Today on XX/XX/XXXX I got a notice from Credit Karma that i have a past due account on my credit report. I looked and it's the same XXXX XXXX account for just a few dollars. I paid this account off and now I'm being told by the representatives at XXXX XXXX 's that there is interest that accrued after I paid off the balance and a subsequent late fee.I spoke to two agents and to a manager and none were willing to help me but tried to collect the debt. None even acknowledged that I was trying to dispute the amount just that they wanted the few dollars paid in full. 

I paid off my account in full I should not owe anything.

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 2024-11-05 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: NJ

Complaint narrative:
I am writing to formally request the immediate removal of the account associated with XXXX XXXX XXXX ), which continues to appear on my credit report despite my repeated disputes. This account is unauthorized, as I am a victim of identity theft, and I have provided ample documentation and reports to substantiate my claim, including an FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), creditors are required to block fraudulent information upon notification of identity theft, which includes this account that does not belong to me. Additionally, New Jersey law ( N.J. Stat. 56:11-46 ) protects consumers against identity theft and mandates reasonable actions by creditors to avoid further harm to victims. XXXX XXXXXXXX XXXX XXXX and TransUnion 's failure to address this matter constitutes a disregard for my rights under both federal and state laws. Please consider this letter my final notice to resolve this matter by removing the disputed account entirely. If this account is not promptly removed, I am prepared to escalate this issue with additional regulatory authorities to ensure compliance.

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