vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against US Bank concerning their handling of a fraud case involving my debit card. 

I traveled outside the XXXX from XX/XX/XXXX to XX/XX/year>, and had my US Bank debit card with me at all times. On XX/XX/year>, I received notifications via phone message and email from US Bank indicating that my card 's PIN had been changed. I did not make this change. Subsequently, XXXX unauthorized transactions totaling {$760.00} were made on my account. These transactions were not conducted by me, as I was in XXXX, XXXX XXXX, XXXX at the time. I can provide proof of my train tickets, flight tickets, hotel bookings, and other relevant documentation to verify my location. 

Upon discovering the fraudulent activity, I immediately contacted the US Bank XXXX Department. Despite being abroad, I was instructed to visit a branch to file a fraud claim upon my return to the XXXX. I complied and filed the claim on the morning of XX/XX/year>. Additionally, I reported the incident to the XXXX Police Department and froze my credit reports with the XXXX major credit bureaus. US Bank issued a temporary credit of {$760.00} to my account while the investigation was conducted. 

On XX/XX/year>, I received a letter from US Bank denying my claim and informing me that the {$760.00} credit ( excluding a {$1.00} transaction ) will be reversed by XX/XX/year>. The letter stated that after a careful review, it was determined that the transactions were authorized, based on the information I provided, as well as my transaction and account history, location, and pattern of use. 

I find this decision perplexing and unacceptable, given that I was not in the XXXX at the time the fraudulent transactions occurred. It is unreasonable to conclude that the transactions were authorized solely based on my account history and location pattern, especially when I have verifiable evidence of my presence in XXXX. 

I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring a thorough re-investigation of this matter. The initial investigation by US Bank was inadequate, and I seek to have my money returned. Should US Bank continue to deny my claim, I am prepared to pursue legal action in small claims court.

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 2024-06-20 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: LEXISNEXIS
State: NM

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 2024-06-20 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: PA

Complaint narrative:
This account was opened fraudulently. I am a victim of identity theft these accounts need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: MI

Complaint narrative:
the credit bureaus violated my consumer rights.

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 2024-06-20 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: MI

Complaint narrative:
the credit bureaus violated my consumer rights.

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 2024-06-20 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:
Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not connected to me in any way, and I hold no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not promptly resolved. 

These inaccurate and fraudulent items on my consumer report have hindered my ability to achieve my goal of purchasing a home and providing for my family 's needs. The financial impact has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2024-06-20 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: FL

Complaint narrative:
Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not connected to me in any way, and I hold no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not promptly resolved. 

These inaccurate and fraudulent items on my consumer report have hindered my ability to achieve my goal of purchasing a home and providing for my family 's needs. The financial impact has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. 

It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MO

Complaint narrative:
You Experian are reporting inaccurate information to my consumer report! 
The accounts XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX are inaccurate and the information is incomplete. These accounts are being disputed in its entirety. I have attached my credit report showing incomplete and inaccurate payment history. 

For XXXX XXXX XXXX : XXXX XXXX. How was the last payment date XX/XX/XXXX when the payment summary shows the account was paid on time in XXXX, XXXX and XXXX? This is a violation fix or delete. 

SEE DOCUMENTS ATTACHED For XXXX XXXX XXXX : XXXX XXXX is the account Paid off when the payment summary is showing the account was late XXXX, XXXX and XXXX, Who paid this off? This is a violation fix or delete. 
XXXX was the last payment date XX/XX/XXXX when the payment summary shows the account was paid on time in XX/XX/XXXX? This is a violation fix or delete. 


SEE DOCUMENTS ATTACHED You have an obligation by law pursuant 15 USC 1681e ( b ) ( 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. 
Promptly Delete these inaccurate and incomplete accounts from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
I'm filing this complaint to report identity theft and request help resolving the issue. My personal and financial information was compromised, resulting in unauthorized transactions and credit inquiries. 

I've already reported the theft to authorities and disputed the fraudulent transactions with my financial institutions. However, I'm still experiencing issues with my credit reports and scores. I'm seeking the CFPB 's assistance to remove fraudulent accounts and transactions from my credit reports 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 explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. 

It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. 

It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Please see the attached documents. I want the fraud alert on my file to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MO

Complaint narrative:
You Trans Union are reporting inaccurate information to my consumer report! 
The account XXXX Account # XXXX is inaccurate and the information is incomplete. This account is being disputed in its entirety. I have attached my credit report showing incomplete and inaccurate payment history. 
XXXX. How was the last payment made in XX/XX/year> when the payment history shows XXXX in XX/XX/year>? 
XXXXThis account was not paid in full. It was paid for less. Why is the account showing late payments? 
XXXXThis account is not a debt anymore. Must be deleted. 

SEE DOCUMENT ATTACHED You have an obligation by law pursuant 15 USC 1681e ( b ) ( 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. 
Promptly Delete this inaccurate and incomplete account from my consumer 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 2024-06-20 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: AZ

Complaint narrative:
Greetings, I am submitting a follow up complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) XXXX, I have reported the incident to the XXXX XXXX XXXX XXXX XXXX XXXX through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOANS XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX A XXXX XXXX Balance Owed : {$730.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX A XXXX VI ) XXXX Balance Owed : {$85.00} ; XXXXXXXX XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$730.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$360.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required toinvestigate any information in the consumer 's file that the consumer identifies as resultingfrom alleged identity theft, not later than XXXX business days after the date of receipt.

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 2024-06-20 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: AZ

Complaint narrative:
Greetings, I am submitting a follow up complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section605b, I have reported the incident to the XXXX XXXX XXXX XXXX XXXX XXXX  through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ELEC BNK XXXX Balance Owed : {$370.00} ; XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX A XXXX VI ) XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$360.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required toinvestigate any information in the consumer 's file that the consumer identifies as resultingfrom alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief