vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am a long-time US Bank customer . Over the summer, my debit card was compromised, and US Bank issued a replacement card, which I activated in XXXX XXXX. Since then, I have been unable to add this card to XXXX XXXX through any available channels. After a month of back-and-forth with the Fraud Department and Customer Service , no one could explain the issue. On XX/XX/XXXX, I opened a case with US Bank to investigate what I initially thought was a glitch. The response I received informed me of a 90-day wait policy on new debit card holders, despite having received new debit cards in the past without this restriction. 

Seeking clarity, I escalated my case through multiple channels, including the local branch manager and customer support, but have received no response or further clarification. I have been dealing with this issue for over two months now and it still has not been resolved. I feel they are stringing me along until that 90 day wait is over. The last email communication on this case was back on XX/XX/XXXXXXXX  advising my concern would be escalated to a manager. I have received zero response since then, leading me to feel as though I am being ghosted. This lack of transparency and communication has left me with unresolved security concerns about my account. US Bank claims this limitation is working as designed, but no one at the bankwhether customer service, the fraud department, my local branch, managers, or online publication resourcesseems to be aware of this policy. 

I also reached out to the XXXX community, other US Bank customers confirmed they had no issues adding new debit cards to XXXX XXXX  on new or old accounts, which makes me question why I am being singled out when Im simply trying to protect my account with an additional layer of security. This policy not only limits my options but feels counterproductive to the very goal of security US Bank promotes. With no further responses from the escalation team or my branch manager, I am left with no other option than to escalate through this channel for assistance.

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 2024-11-14 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: 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Due to an error Citi Advantage did not award me XXXXXXXX XXXX XXXX XXXX on multiple hotel bookings which I booked a hotel through XXXX. I received a letter from Citi Bank notifying me that I will get those missing miles credited 8-10 weeks, it has been way over 8-10 weeks and no answer or updates from Citi Bank. I contacted Citibank requesting an expanation but no one answered me, however I did receive a letter dated XXXX but with information that is irrelevant to my concern.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am banking with Navy Federal credit union and i recently had a fraud situation. I called and let my bank know the situation. My card was on my girlfriend XXXX and XXXX, just like it has always been. She called me the day I made my claim and said that she kept getting dings for charges from XXXX and XXXX. Days prior her XXXX got hacked and some lady took it over and is using it today. I looked on my phone and I was being charged so I froze my card and called Navy federal and told them what was going on and tht I froze my card. While I was on the phone with Navy federal I informed the lady that I was getting texts on my phone saying my card was charged but was frozen and I let the lady at Navy federal know and she said it's okay she was cutting the card off and sending me another one so I cut the card up and threw it away. Yesterday I got an email from Navy federal saying that they did an investigation and closed the claim and that they will be taking the XXXX back from my account on XX/XX/year>. I do not feel an investigation was done because I had no reason to lie and it was happening while I was talking to her. We have had thr accounts shut down by XXXX and XXXX. If that isn't a inconvenience I don't know what is. We got kids we use XXXX and XXXX for holidays, birthdays, a lot. I do not understand why I have to pay when I was taken advantage of and my bank should be protecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 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: VA

Complaint narrative:
I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The chapter that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # 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 2024-11-14 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: 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-14 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: CA

Complaint narrative:
Names and addresses do not belong to me and I have been a victim 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 explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-14 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: SC

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. My rights of privacy has been violated and permissible permission was never given in any form of written consent to report. I demand that every account attached be Deleted and Blocked from my consumer report as these accounts are clearly in violation of Federal Law. PLEASE SEE ATTACHMENT

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank received a {$10000.00} payment from me ONLY because I received funds to repair my home after hurricane Beryl and I had lost my purse and this credit card was the ONLY virtual credit card number I had to use. I paid this in good faith with the intention of using 100 % of it immediately. This is why on a recorded call I asked a supervisor which way in making a payment would this be made available IMMEDIATELY. They said that paying by debit card it would be made available immediately. Well, this never took place because a payment in the amount of {$500.00} I had paid almost 3 weeks prior was still being held by CITI. I paid it on XX/XX/XXXX and they did not release this to my available balance until XX/XX/XXXX because of this error I was unable to use my entire {$10000.00} I had just paid. 

What happened 48 hours after my payment of {$10000.00} Citi took it upon themselves to reduce my credit limit by 50 % all based on this payment that sat in their system as I waited for them to make my {$500.00} available that should have been available 3 weeks prior. I was also in a disaster program and all was documented. I immediately asked for a refund of my {$10000.00} and they refused to refund until I contacted your department. I also requested my credit limit be restored because it should NEVER have been dropped as this was NOT a payment that was to be paid to be kept! I explained all of this over a recorded call and CITI has performed with complete deception and has not ruined my credit even further. Had they never made the mistake of keeping my {$500.00} and not releasing it none of this would have ever happened! I need this corrected in good faith immediately or I will need to file bankruptcy.

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 2024-11-14 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I am XXXX XXXX and unfortunately, I need to fill the FTC report, because I am a victim of Identity theft. The issue is some scam artist succeeded to theft my information and opened fraudulent account with XXXX XXXX XXXX XXXXXXXX . I found fraudulent on my credit reports on XX/XX/year>XXXX  and called to XXXX XXXX  and closed it, because it is fraudulent. It got closed good standing, but still reports on my credit reports. It is fraudulent account and inaccurately reports under my name. Please delete it from my credit 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 2024-11-14 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:
I am XXXX XXXX and unfortunately, I need to fill the FTC report, because I am a victim of Identity theft. The issue is some scam artist succeeded to theft my information and opened fraudulent account with XXXX XXXX XXXX XXXX XXXX I found fraudulent on my credit reports on XX/XX/year> and called to XXXX XXXX  and closed it, because it is fraudulent. It got closed good standing, but still reports on my credit reports. It is fraudulent account and inaccurately reports under my name. Please delete it from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Two Accounts were Charged Off in XXXX and XXXX of XXXX. 
JPMCB, aka Chase Bank, Never Provided Me with My 1099C to complete My Personal Tax Return Accurately, which amounts to Tax Fraud. 
Approximately {$1300.00} should have been included on My Gross Income with The IRS for the XXXX Tax Year. 
Additionally, both of these accounts were Sold to a Collection Company. 
Additionally, Chase continues to mail me a Bill Attempting to Collect this Chargrd Off Account Totaling some {$1300.00} to this day. 
I just received- in XX/XX/XXXXXXXX  - ANOTHER set of letters for each Charged Off Account. 
JPMCB, aka Chase Bank, Received a Tax Break in the form a Write Off / Business Deduction for their XXXX Corporate Taxes, Earned Income from Selling the Charged Off Debt to another Party, and Is STILL attempting to Collect the Charged Off Amounts from Me. 
How Many TIMES does JPMCB Chase Bank expect to Get Paid for these Charged Off Accounts? 
None of this Seems Legal. 
I believe that My Next Step is to Seek Legal Counsel and Bring all of this In Front of a Judge, where I will seek appropriate damages for this illegal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NV

Complaint narrative:
I am writing to file a complaint regarding a collection entry placed on my credit report by LJ Ross Associates on behalf of XXXX XXXX XXXX XXXXXXXX ( XXXX ). I am disputing the accuracy and validity of this collection for the following reasons : Lack of Prior Notice : I did not receive any initial communication from either LJ Ross Associates or XXXX  XXXX XXXX XXXX regarding this alleged debt before it being reported on my credit. I should have been informed of the debt and allowed to resolve or dispute it before it impacted my credit score. 

Failure to Validate Debt : To date, I have not received sufficient validation of this debt, including a breakdown of the charges and proof that the account is, in fact, mine. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide documentation verifying the debt upon request. 

Residency Issue : I have not lived in Florida for a long time, making it unlikely that I would have any outstanding account with XXXX  XXXX XXXX XXXX. This raises further doubt about the accuracy of this collection entry on my credit report. 

Potential Inaccuracies : I believe this debt may have inaccuracies regarding the amount owed or may have been reported erroneously. Without detailed documentation, I can not verify its legitimacy.

The presence of this collection account has had a negative impact on my credit score, which has led to financial stress and difficulty obtaining favorable credit terms. I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and work to ensure that LJ Ross Associates and XXXX  XXXX XXXX XXXX comply with federal consumer protection laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation