vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: IN

Complaint narrative:
I recently checked my credit credit report and found hard inquiries which was unauthorized so i want them off my report form both XXXX and TransUnion XXXX has already removed them I'm haven hard time with both XXXX and TransUnionSubject : Request for Removal of Unauthorized Hard Inquiries I am writing to dispute certain hard inquiries listed on my credit report, which were made without my authorization. These inquiries are negatively impacting my credit score, and I request their immediate removal. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and verifiable. Specifically, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) of the FCRA, a consumer report is only permissible if it is requested for a legitimate purpose with my explicit consent. I have identified the following hard inquiries that I did not authorize : [ List the companies and inquiry dates that need to be removed ] These inquiries were not made with my consent, and I believe they are a violation of the FCRA. I am requesting that you investigate these inquiries immediately and provide evidence of my authorization. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to investigate disputed information within 30 days of receiving this notice. If you determine that these inquiries were unauthorized, I expect the hard inquiries to be deleted from my credit report and confirmation of the deletion to be sent to me in writing. Please also forward an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter. I look forward to your prompt resolution and response within the legally allotted time frame.

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 2024-10-05 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: MI

Complaint narrative:
On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in Wyoming Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as Transunion, XXXX and XXXX. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. 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 non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by XXXX XXXX XXXX XXXX. This account references an amount of {$1100.00}, purportedly from the original creditor, Citibank NA, with the account number XXXX. Upon contacting Citibank NA directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either Citibank NA or XXXX XXXX XXXX XXXX, and I believe this account is fraudulent. 

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action. 

To resolve this matter, I am requesting that XXXX XXXX XXXX XXXX  provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

The legal basis for their collection efforts. 
Proof of their authorization to operate in my state. 
Evidence supporting the alleged debt, including any signed contracts or agreements. 
A full and complete account history, including all related charges and transactions. 
Their failure to provide this information violates FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay. 

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue. 

Sincerely,

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 2024-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: VA

Complaint narrative:
Bounce AI first contacted me about a month ago regarding a debt owed to a company called XXXX from XXXX to XX/XX/XXXX. They claim to be a debt collector and have provided me with no proof that they own or were sold the debt or evidence that I consented to XXXX to provide them with my information. I know for a fact that they do not own the debt as the debt does not exist for the following reasons. 

I purchased a 50 '' XXXX TV from XXXX on what was basically a lease to own basis. When I received the product it did not work, and after about XXXX days of attempting to exchange the product or have it refunded, the company refunded what I had paid to that point and advised that I could " recycle it at your discretion ''. 

XXXX attempted to contact me once again in XXXX and I had to remind them that they cancelled the order and refunded me, and now we are having this issue again. The email communication that I received today stated that " XXXX XXXX  XXXX '' would be added as a collection account to my credit report in 26 days. I would also like to point this out as further proof that the debt collector has no authority to collect the debt. 

I have attached the email correspondence from XXXX to this complaint in both a text file that is mostly in order as well as the original emails from the company. 

For reference : Bounce AI Reference Number : XXXX XXXX  Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: VA

Complaint narrative:
I opened a checking account with Valley bank on XX/XX/year>. After over a month of the account being open they sent me an email saying that they were going to close the account due to my XXXX report and to call the XXXX company for information. I called into Valley and asked for more info and just got told " XXXX out to chexsystems for more info. '' XXXX is not going to be able to tell me anything about Valley Bank 's business decisions. I was not given any information or communicated with as a customer. As of right now my account is still open and I am still a customer until my account is closed next Friday XX/XX/year>. I would understand if I was never allowed to open it in the first place but I was notified over a month in. There was also a sign-up bonus of {$400.00} associated with this account if {$7500.00} was direct deposited within 90 days of opening. These were the terms, " The one-time {$400.00} reward will be credited into your account within 30 days after : ( 1 ) the qualifying direct deposit requirement has been satisfied and ( 2 ) the account has been opened for a minimum of XXXX  days. Reward may be reportable as taxable income. '' I have met that direct deposit threshold. It honestly feels as though they are closing my account in bad faith before the XXXX period so they can avoid paying this bonus. 

Link to the account is below XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My account was hacked over XXXX ( XXXX ) months ago in which USAA did not cancel my debit card and allowed phishing to occur in my account. Out of the unauthorized transactions, ATM withdrawals were processed in XXXX, Virginia, a city I do not live in. After reporting these transactions, USAA returned my paychecks and reversed the XXXX transactions but not the ATM withdrawals made in another city. USAA then sent me a letter stating that {$400.00} and {$100.00} ATM withdrawals were not fraudulent and were " authorized ''. I called USAA to request documentation twice in which XXXX ( XXXX ) banking specialist repeatedly bypassed my request and stated it's going to the take the dispute analyst XXXX ( XXXX ) days to look into it-how does it take 5 days to provide the rationale on why they made the decision in the first place?? The feedback given by USAA reported that XXXX ATM 's were used ; how was it verified I authorized some but not all? I stated in both phone calls I can provide my workplace timesheets to provide support that I was physically in my resident area at my job working, not stealing from ATM machines in a different city. This rationale does not make sense.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to dispute XXXX late payment entries on my TransUnion consumer report for the account JPMCB Auto ( Account # : XXXX ). The late payments in question are for XX/XX/XXXX and XX/XX/XXXX. I can confirm that I was never late for either of these months, and all payments were made on time. 

In accordance with 15 U.S. Code 1666b, I request that you provide documentation to support these late payment claims, including : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least XXXX  days before the respective payment due date.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to dispute XXXX late payment entries on my TransUnion consumer report for the account XXXX XXXX ( Account # : XXXX ). The late payments in question are for XX/XX/XXXX and XX/XX/XXXX. I can confirm that I was never late for either of these months, and all payments were made on time. 

In accordance with 15 U.S. Code 1666b, I request that you provide documentation to support these late payment claims, including : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least XXXX  days before the respective payment due date.

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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Twice now, Chase has allowed someone at XXXX to charge recurring purchases to my Chase card, as well as have other purchases placed on it. I understand XXXX really likes this card being full, as it has the highest interest rate out of all my credit cards. So high in fact, I am currently being charged just shy of their maximum late payment penalty rate. I do find it strange chase would choose this rate for someone with my Credit, but I admittedly didn't pay attention when I applied. I was interested in the travel mile, and perks that generally accompany a card with a {$500.00} annual fee and exclusive club benefits. At the moment, I am really just interested in having something done about the fraudulent charges they allowed, have been notified of, but seem to have chosen to ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
15USC1681 section 602A states I have the right to privacy.

15USC1681 section 604 section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 16665 states a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late payment.

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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo Cc card was closed due to inactivity, I didn't get the notification letter till recently.ans I didn't know they would close the reward account too. Nor they mentioned in the letter. 

I had {$420.00} in my rewards account XXXX They refused to get back me the money in my rewards account even tho I reopen my CC. 

I have called customers service and they refused to refund the reward

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
15 U.S. Code 1681 c -2 a consumer reporting agency shall block the reporting off any information in my file of a consumer identifies as information that resulted from an alleged identify theft not later than XXXX business days after the dates receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPlAINT TO PREVENT FURTHER STALL TACTICS FROM. ****** this is so unlawful ****

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
15 U.S. Code 1681 c -2 a consumer reporting agency shall block the reporting off any information in my file of a consumer identifies as information that resulted from an alleged identify theft not later than XXXX business days after the dates receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPlAINT TO PREVENT FURTHER STALL TACTICS FROM. ****** this is so unlawful ****

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 2024-10-05 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: TX

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to formally bring to your attention that I have been a victim of identity theft, resulting in multiple fraudulent inquiries on my credit report. These unauthorized inquiries were added without my knowledge or consent and require immediate resolution. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent inquiries to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: MS

Complaint narrative:
I called the company about a delinquent account that I was trying to pay off in full if if they agreed to delete the account which I paid in full in XX/XX/year> but yet the account is still showing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
opened a truist checking account 2 months ago, deposited a check for {$430.00} from my job on XXXX and they placed the check on hold, on XXXX they froze my account for a fraud investigation. have called them and gone to brance where no one will help

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 2024-10-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of inaccurate item ( s ) as follows : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Thank you for your attention and assistance in resolving this matter. 

Yours 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 non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have called before and tried to talk to Chase that there was an issue with linking the accounts to avoid their monthly service fees. They state they have been unable to help and do not understand why one account is link and not the other. In the statements where I am the primary my monthly statement shows the other owners, which are my parents, their average balances. I am able to see the average balances they keep on accounts I am not on. I did mention it in a branch when I was in Indiana but there has been no solution. The bank creates options and wants people to use self-help, technology to avoid going to the branches and then the person on the phone just states they I need to go into a branch to get either fees reverse or an account closed down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me a response and are still reporting inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.

Company response to consumer: Closed with explanation