vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: MO

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-07 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: MO

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: GA

Complaint narrative:
inquiries on credit report that was not authorized by me

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 2023-10-07 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to request a reconsideration of my recent denial for a credit limit increase on my American Express card account. I want to reiterate my strong track record of responsible financial behavior, including consistent on-time payments and a proactive approach to resolving issues promptly. 

I recently made a significant payment of {$860.00}, clearly demonstrating my commitment to reducing outstanding balances swiftly. I kindly urge you to reflect this payment on my credit report, as it accurately represents my current financial standing. I understand the importance of an accurate credit history and believe that this update would reflect my responsible financial conduct more accurately. 

Despite a past incident involving an ACH payment failure, which I promptly rectified, I have taken proactive measures to ensure the stability of my payment methods. I am fully committed to maintaining a reliable payment system to prevent any future issues in this regard. 

Furthermore, I am enthusiastic about expanding my membership with American Express through a charge card. I look forward to the opportunity to demonstrate my financial responsibility on a broader scale. Please consider this as an indication of my commitment to responsible credit management. 

I kindly request that you review my application again, taking into account my responsible financial conduct and my recent efforts to resolve any concerns. Granting this credit limit increase and reflecting my recent payment on my credit report would not only benefit me but also enhance my relationship with American Express. 

I am eager to continue being a responsible and valued member of American Express, and I am hopeful that you will reconsider my request promptly. I kindly request to be contacted as soon as possible regarding the status of my application. 

Thank you for your understanding and consideration. 


Valued XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax, I requested the method of verification and description of reinvestigation procedures for the following five accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX do not provide an account number. 
XXXX reports an account number that is partially masked as " XXXX. '' Account Type : All three bureaus report an " Open Account '' as the account type.

Account Type - Detail : All three bureaus report " Open Account '' as the account type detail.

Bureau Code : All three bureaus report " Individual Account '' as the bureau code.

Account Status : XXXX reports " Notsatisfying XXXX '' as the account status, which is not reported by the other bureaus. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while TransUnion and XXXX do not provide this information. 
Date Opened : XXXX reports a date opened of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Balance : XXXX reports a balance of " {$2000.00}, '' while TransUnion and XXXX do not provide this information. 
High Credit : XXXX reports a high credit of " {$2600.00}, '' while TransUnion and XXXX do not provide this information. 
Credit Limit : XXXX does not report a credit limit, while TransUnion and XXXX do not provide this information.

Past Due : None of the bureaus report past due information.

Payment Status : XXXX reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : XXXX reports a " Last Reported '' date of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Date Last Active : XXXX reports a " Date Last Active '' of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : XXXX reports `` OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). TransUnion and XXXX do not provide this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX, Experian, and XXXX all report a partial account number as " XXXX. '' Account Type : XXXX reports it as an " Open account. " Experian reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account XXXX - XXXX : XXXX reports " XXXX account. " Experian reports " XXXX XXXX. '' XXXX reports " XXXX Account. '' XXXX XXXX : XXXX and Experian report " Individual account '' as the bureau code. XXXX reports " XXXX Account '' as the bureau code. 
Account Status : XXXX and Experian report " XXXX '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX, Experian, and XXXX all report a date opened of " XX/XX/2023. '' Balance : XXXX, Experian, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. 
XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX, Experian, and XXXX all report a high credit of " {$770.00}. '' XXXX XXXX : None of the bureaus report a credit limit for this account. 
XXXX XXXX : None of the bureaus report past due information for this account. 
XXXX XXXX : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX, Experian, and XXXX all report a " Last Reported '' date of " XX/XX/2023. '' Comments : There are comments indicating that the account is placed for collection. Experian also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : XXXX and XXXX report a " Date Last Active '' of " XX/XX/2023. " Experian reports a " Date Last Active '' of " XX/XX/2023. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " CO '' ( charge-off ) for the month of XX/XX/2023, while XXXX reports " OK XXXX for all months. XXXX does not provide a payment history for this 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 explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received my federal tax refund on XX/XX/XXXX into my account hours later my account was placed on restriction for XXXX days and then I received the email requesting information to verify the deposit. I sent in all the information to verify all the deposits that they asked for after sending those documents in my account was closed on XX/XX/2023. I receive numerous emails afterwords asking for more documents and information to verify my address and that I am the recipient of the account for a closer check and I was also told that I have to wait up to 14 days for processing and XXXX calendar days to receive a check after that I receive multiple emails telling me that my deposit doesnt comply to the agreement and that I wasnt eligible for a refund and I received those emails over and over for the past month and a half now and everyone that I talk to tell me that they can not give me no information or detailed information about my account and to email their support team. I have emailed a support team and they told me that they also cant verify or give me any information about my account and to give the company a call. I gave the company a call and they told me to email so its a cycle that they keep running me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I was denied a credit card with USAA. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Have not opened an account with this 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 non-monetary relief
Consumer complaint received 2023-10-07 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: CA

Complaint narrative:
I am writing to file a formal complaint against Experian, XXXX, and XXXX for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account. 

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal. 

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation. 

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : Experian, XXXX, and XXXX are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against Experian, XXXX, and XXXX for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and 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 2023-10-07 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 file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my victimization in the Equifax data breach that occurred in XXXX. I would like to express my deep concern and frustration with Equifax 's negligence in safeguarding my private information, which has resulted in significant financial and personal repercussions. 

In XXXX, my personal information was compromised due to the Equifax data breach, during which my sensitive data was hacked and used without my consent. This breach of security had far-reaching consequences as the perpetrators exploited my personal information to open bank accounts and obtain credit in my name. As a result of this breach and Equifax 's failure to protect my data adequately, I have endured severe setbacks that have persisted for years. 

To address the ongoing issues arising from the breach, I promptly took steps to protect my financial well-being. I placed a credit freeze on my credit reports and initiated the lengthy process of disputing and rectifying fraudulent accounts and activities that were attributed to me. These actions have been time-consuming and emotionally taxing, requiring countless hours of effort to clear my name and reestablish my financial stability. 

Furthermore, I submitted a XXXX XXXX XXXX form provided by Equifax to quantify the losses I incurred as a direct result of their negligence. The losses I suffered due to the breach amounted to a total of {$12000.00}. Despite providing all the necessary documentation and information, Equifax has failed to respond adequately to my claim. They have not issued a settlement check or even attempted to reach out to me for further clarification or resolution. 

This disregard for my legitimate claim and the ongoing issues stemming from the data breach have caused me considerable distress and financial hardship. Equifax 's failure to address these matters appropriately has further exacerbated the negative impact on my life, making it even more challenging to regain my financial footing. 

I am seeking the assistance of the CFPB to hold Equifax accountable for their negligence, lax data security practices, and lack of responsiveness in addressing the issues arising from the data breach. I kindly request that you investigate this matter thoroughly and take any necessary actions to ensure that Equifax fulfills its obligations to me and other affected consumers. 

Thank you for your attention to this serious matter. I eagerly await your response and any assistance you can provide in resolving this grievance

Company response to consumer: Closed with explanation