vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-26 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
RE : Fraud Claim redacted Originally Filed : XX/XX/XXXX On XX/XX/XXXX I reported to a customer service representative at US Bank that I saw XXXX fraudulent online charges on my credit card statement that were made a couple hours earlier. I instructed this rep to close down this credit card and to send me a replacement card. I assumed that I would be issued a provisional credit immediately as another bank of mine had done. The dollar amount of this provisional credit is tiny. 

But days have gone by and when I called US Bank customer service I was given contradictory information. I spoke to a fraud department representative who said he was filing information for the provisional credit but the credit didn't appear in my account. I called US Bank at least XXXX times in relation to this issue. This evening ( XX/XX/XXXX ) a XXXX in the fraud department left me a phone call, yet the XXXX didn't answer when I returned her call and isn't in the office for XXXX more days. 

The US Bank website states that a provisional credit will be made during a dispute and the longest amount of time it will take is XXXX business days. It took another bank of mine only a couple hours to post a provisional credit to my account. Today ( XX/XX/XXXX ) is the XXXX business day since I started this dispute, yet I haven't received a provisional credit for a paltry sum. I have banked with US Bank for years, and when I asked to make a customer service-related complaint I was told the only method to submit this complaint is via old-fashioned snail mail. XXXX XXXX asks me after each phone call if I felt customer service did a good job whereas US Bank doesn't record calls nor take any information from customers like myself about representative performance. 

US Bank is dragging its feet to reimburse a tiny amount of money to a long-time customer. I am seeing the true colors of US Bank.

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 2024-08-26 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: FISERV FINXACT CORE
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered that XXXX XXXX accessed it without my permission on XX/XX/2023. They have not met the requirements under the FCRA to gain access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate verification. I request your help in addressing and resolving this situation swiftly and efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am writing to formally request validation of the debt referenced in your recent communication.

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : 1. Proof of the Debt : Detailed records that substantiate the debt. Please note that statements alone are not sufficient evidence of a debt. As established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements are not considered adequate proof. 

XXXX. Proof of Ownership : Documentation that you have the legal right to collect this debt, including any assignment or transfer of the debt from the original creditor. 

3. Original Creditor Information : The name and address of the original creditor, as well as any documentation showing the original amount of the debt and any payments made after the initial amount.

4. Agreement with Signature : A copy of any agreement bearing my signature that indicates I agreed to the debt, the amount owed, and the terms under which the debt was incurred. 

Additionally, this letter serves as a formal cease and desist notice. I request that you cease all communication with me regarding this debt, effective immediately. This includes, but is not limited to, phone calls, letters, emails, and any other form of direct or indirect contact. For clarification, this cease and desist order also extends to any reporting of this debt to consumer reporting agencies. You are required to delete any information related to this debt from my consumer reports. 

Failure to comply with this request will leave me no choice but to pursue legal action for harassment and abuse under the FDCPA. Below is an itemized list of potential costs that Radius Global Solutions may incur if this matter proceeds to litigation : - **Filing Fees** : {$400.00} - **Service of Process** : {$150.00} - **Attorney Fees** : {$350.00} per hour ( estimated XXXX hours ) = {$7000.00} - **Court Costs** : {$500.00} - **Damages for Harassment and Emotional Distress** : {$10000.00} - **Other Related Expenses** : {$1000.00} **Total Estimated Cost to Radius Global Solutions in Litigation** : {$19000.00} I expect a prompt response within 30 days, confirming the deletion of the inaccurate information from my consumer reports or providing the requested validation of the debt. Please send all correspondence regarding this matter to the address provided above. 
Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I contacted Transunion because I could not access my credit freeze status online ; I kept getting an error message. The representative I spoke with said I would get a call within XXXX hours to fix the issue. The issue is still not resolved and I can not access my freeze status online without getting an error message.

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 2024-08-26 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-26 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: NC

Complaint narrative:
Equifax is reporting my credit score as a XXXX however there is absolutely NO information on my credit report aside from that. As a result, my new start-up business has been suffering because I continue to get rejected for funding based on this score. 

According to my rights, Equifax should NOT be reporting any score if they do not have my records. Additionally, per your own information, there have been disputes that were closed on the credit bureau that say they were resolved and clearly they have NOT because there is no record of them on my Equifax report. 

XXXX of the disputes about my name change states that they were happy to tell me that my name was changed however, it is not even provided on the report so how would I know. Additionally, the letter that states it was changed states Dear XXXX XXXX and goes on to state that my name has been changed to XXXX XXXX. 

My name change was a court order for safety as my XXXX perpetrator IS an XXXX XXXX XXXX I need ALL previous names removed from my file. How does ALL of my information get wiped from a credit file while XXXX has everything and XXXX has all of my demographic information and my debts completely wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-08-26 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ 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 explanation
Consumer complaint received 2024-08-26 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multilayered scam operation orchestrated XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains. 
It should be noted that the Company, which is a client of yours, registered as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is committing financial crimes right under your nose, which involves, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred in the total amount of XXXX USD utilising your services ( See attached for reference ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
I was contacted by XXXX XXXX XXXX via XXXX. The XXXX  said I owed {$4700.00} for account number XXXX. 

However, I do not owe that debt. My information was stolen and I disputed that account with XXXX XXXX XXXX and the major credit bureaus. 

I requested the original ASSIGNMENT CONTRACT ( s ) that proves that I owe it. They did not send it. 

Please delete this immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wrote experian a letter to iniate the arbitration process started.They treated as a dispute and said it was verified. Whn my letter clearly stated to iniate arbitration process. I called XXXX XXXX a d thy said thy had XXXX calendar days to respond. Which has clearly passed and once again experian has totally violated and disregarded my 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 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my account to Wells Fargo at the instructions of the scammers.

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 2024-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
IN XX/XX/XXXX, I filed my tax for XXXX asking for the rebate, and The IRS said They don't owe me I don't owe them a letter XXXX. They send the XXXX $ to Netspend on XXXX XXXX, XXXX I called Netspend to tell them that I did not receive the XXXX $ I called Netspend after 3 days on XX/XX/XXXX, and they told me to file a dispute i told them that ok to transfer me to a dispute l explained everything they told to give them XXXX business days but mid time they going to send me some paper on the mail in XXXX On XX/XX/XXXX I called back and they told me to call again on XX/XX/XXXX I called that day and stayed on the phone for XXXX hours they kept saying to call back I asked them to transfer me to a supervisor they held the phone for over XXXX minutes no pick I hang up next day I call they can't find my claim for longtime they transfer me to dispute channel. They told me there was no error from Netspend I transferred the XXXX to my card I said I did not and did not know XXXX was at Netspend and I did not know how to transfer I did not receive any notification for the XXXX any funds I received from Netspend, you guys send me a notification and help me load to mine. I did not transfer the XXXX I did not know it was a deposit Netspend sent me XXXX ago a statement to show me how I spent the XXXX and the statement was fake it was my tax money on the statement and it was altogether my tax XXXX $ The card ending in XXXX Netspend over the phone helped in XX/XX/XXXX. Netspend helped me over the phone load XXXX after I received a notification from Netspend.on the card ending XXXX there never be XXXX transfer on my card. 
Pls I did not receive it I need help Thank 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 explanation
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 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