vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

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 2024-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My Experian account was hacked where my email is change and password thus locking me out. The hackers then unfreeze my credit report and start applying for credit. This as occurred XXXX times now : Around XX/XX/year> ( the date i submitted first case ), on XX/XX/year> ( called immediately ) and on XX/XX/year> ( can not get any real person at Experian despite their website posting weekend hrs. The first time I had to submit docs proving I was the real person, second time they asked questions and once I proved myself, they updated my account with my correct email so I could change username and password. This third time i can not get anyone to help. Luckily I pay a XXXX party vendor that has agreement with Experian so I can relock my credit report through XXXX party app since i can not access my Experian acct. ( should not have to do this ). But once hackers realize i did that then they go back and unlock which i have to relock. Happened twice today. Each time Experian tried to say its my fault, that my email was hacked. This is incorrect bc of security measures in place with my email provider, I have logged on to verify only I have accessed my email account, and verified with email provider directly that no one else has hacked or access my account. At this point its either inside job at Experian, Experian system is getting hacked, or Experian employees not following security protocols and changing my info for the hackers. Either way this is lack of security controls. XXXX times since XXXX is ridiculous. And Experian is not helpful even if you are able to get someone. You go round and round and round with their automation system. This is not happening with my other credit bureaus accounts. 
This is Experian issue and Experian will not help me to figure out what is going on and help to stop this. I Also, when you do talk to a real person, they try to sell Experian full package for extra security protection. I am already using XXXX step verification with my account and clearly that is NOT working. 

I am at the point I will be seeking legal consultation as I can not keep living like this. I have lost so many work hours due to this. I will also be filing complaint with the XXXX. XXXX and XXXX XXXX firm has published an article detailing this exact issue that others are experiencing. Experian needs to be help accountable. 

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 2024-09-21 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: NC

Complaint narrative:
I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA XXXX ( XXXX U.S.C. XXXX ) it requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. This information continue to be detrimental to my personal credit, XXXX XXXX XXXX XXXX / Credit XXXX XXXX XXXX XXXX {$2600.00} /XXXX  Card XXXX ( {$8200.00} ) / XXXX Bank XXXX XXXX {$9200.00} ) / XXXX XXXX XXXX XXXX {$790.00}. 
My Identity was fraudulently utilized to try and obtain credit, Obtain XXXX apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for XXXX XXXX XXXX Nebraska. Charge : Wire fraud in violation of XXXX XXXX. XXXX. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, he was sentenced to 72 months of imprisonment followed by 3 years of supervised release. XXXX. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX XXXX Department of Justice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: DISCOVER BANK
State: NC

Complaint narrative:
Order placed on XX/XX/year> with XXXXXXXX XXXX XXXXXXXX, delivery promised within 6-8 weeks. 
8 weeks passed and no delivery information was forthcoming. Called XXXXXXXX XXXX XXXXXXXX several times and told someone would call me back with delivery information. 

I Never received any delivery information or call backs so on XX/XX/XXXX I opened a dispute with Discover card. I have contacted Discover card several times and they give me different information each time I call/chat. The dispute is resolved in my favor. The dispute is still open. I have to wait longer for an answer. 

I feel that almost 5 months is more than sufficient time to have a final resolution to this matter. The item was never shipped, Discover acknowledges this yet they keep telling me the dispute is still open. 

I feel there is no consumer protection and I am being held hostage indefinitely. I would like to order a table from somewhere else but I am afraid that I am still on the hook even though its been 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CO

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

XXXX XXXX  Account Number : XXXX Charge Amount : {$1100.00} Date Opened : XXXX XXXX XXXXXX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: AR

Complaint narrative:
My credit score per Equifax dropped XXXX points to XXXX as per my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

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 2024-09-21 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:
Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount : {$1800.00} Actions : I was checking my credit report thru transunion and XXXX last week of XXXX and found out this student loan. I immediately call XXXX that was showing in credit report and belong to US Dept of Education. I told them that i don't have any student loan or pending student loan application. They told me it might be typo error and I told them that address phone no. in report belong someone else from California and we live in Texas since XXXX. I told XXXX XXXX XXXX that address, name and phone used to create the account is not accurate and this is fraud.Also, I didn't receive any mail notification and seems like this agency is doing phishing activity to get firsthand information then update the accounts.

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 2024-09-21 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: TX

Complaint narrative:
Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount : {$1800.00} Actions : I was checking my credit report thru XXXX and equifax last week of XXXX and found out this student loan. I immediately call XXXX that was showing in credit report and belong to US Dept of Education. I told them that i don't have any student loan or pending student loan application. They told me it might be typo error and I told them that address phone no. in report belong someone else from California and we live in Texas since XXXX. I told XXXX XXXX XXXX that address, name and phone used to create the account is not accurate and this is fraud.Also, I didn't receive any mail notification and seems like this agency is doing phishing activity to get firsthand information then update the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CO

Complaint narrative:
**Subject : Demand for Removal of Incorrect Bankruptcy Public Record from XXXX and XXXX** Dear CFPB Complaint Department, I am writing to demand the **immediate removal** of a bankruptcy public record that has been **incorrectly reported** by XXXX and XXXX. XXXXXXXX and XXXX have already complied with my previous requests to remove this erroneous record, but XXXX and XXXX have not, resulting in discrepancies across credit scores. As a consumer, I expect all credit bureaus ' scores and data to match, which they currently do not. 

In addition to the inaccurate bankruptcy record, I have noticed numerous **non-mailable addresses** and **outdated companies** still reporting negatively on my credit file, which should not be the case. Credit reports are intended to assess **creditworthiness**, and I have explicitly opted out of all transaction data usage with all companies. Furthermore, I have **revoked permission** for any third-party companies to report on my credit profile. 

I am asking the CFPB to contact **all companies involved** in these inaccuracies and to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **. Specifically, under **15 U.S.C. 1681c ( a ) **, any negative information that is either **inaccurate or outdated** can not be used against the consumer in determining or denying credit. 

It is also important to note that both the **Bankruptcy Court of XXXX and the **Bankruptcy Court of XXXX have confirmed that they do not report to any credit bureaus. Any third party reporting this information without my written consent is committing fraud. As such, all reporting agencies, including **LexisNexis** , must remove any public record information, including **court records, property records, registrations** , and **credit usage transactions**, unless explicitly authorized by me in writing. 

As a consumer, I am entitled to **accurate credit reporting** and demand a score of XXXX across all bureaus**. Given that this bankruptcy record was incorrectly reportedand potentially fraudulentlyI am requesting its immediate removal by **all bureaus** that have ever reported it. This incorrect record has caused significant harm to my creditworthiness, specifically resulting in my recent **denial of credit** from XXXX XXXX XXXX XXXX XXXX, XXXX. 

In addition, I seek **compensation** for the negative impact this has had on my ability to obtain credit from XXXX to the present**. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year>, I deposited {$2500.00} into my account using a U.S. Bank ATM. The ATM ate my cash and I was not able to use my money until XX/XX/XXXX when a provisional credit in the amount of {$2500.00}. On XX/XX/year>, I noticed a {$1200.00} reversal charge applied to my account without any prior notice or explanation. This reversal is not only unwarranted but also highly disruptive to my financial stability. I have business records confirming the deposit of {$2500.00}, and my bank statements show consistent weekly cash deposits around the same amount. 

On the day the ATM malfunctioned and ate my cash, there were other people in line waiting to make transactions. I am unsure if the ATM worked for them or if it crashed as well. There are so many possibilities of what could have happened, yet I have received no explanation whatsoever. If necessary, we can request the ATM camera records to verify the events of that day. I am prepared to contact the local police to report this or involve the Office of the Comptroller of the Currency ( OCC ) to assist with this matter. It is unfair that {$1200.00} was suddenly taken out of my account, which is completely unacceptable. 

The reversal of {$1200.00}, which I worked hard to earn, has caused me significant financial strain, and I am now struggling to manage my business operations and personal obligations due to U.S. Bank 's actions. 

I have contacted U.S. Banks Customer Care Unit and have yet to receive a satisfactory resolution. I am willing to provide any necessary documentation, including business records, bank statements, and even file a police report to request ATM camera footage to verify the events of that day. 

I am requesting that the {$1200.00} be credited back to my account immediately. Additionally, I ask that U.S. Bank reviews their procedures for handling ATM malfunctions and communication with customers, to prevent this from happening to others. 

The actions of U.S. Bank are a breach of the trust that customers place in their financial institutions. 

Thank you for your attention to this complaint. I look forward to your assistance 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 2024-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I made a financial agreement with Bridgecrest through XXXX XXXX XX/XX/year>. I was sold a vehicle that needs a lot of repairs and XXXX  XXXX  warranty doesnt seem to cover the repairs needed. After 2 months of having a car I should not have major issues associated with the car such as engine, transmission, exhaust, XXXX converter, gaskets and more. I have been trying to get my car fixed and reimbursed for rental car expenses since XX/XX/year>. No one is helping me to get my car fixed accurately. XXXX was approved to fix repairs but it didnt improve my vehicle condition. The car sounds like a lawnmower when I drive and it is very slow to drive when you shift the gear. I am not safe to drive in weather conditions. I should not been sold a car that I am unable to drive sufficiently. I dont feel safe and I feel my life is in danger. Bridgecrest should not give out loans for faulty vehicles. XXXX XXXX XXXX and Bridgecrest are scamming people with their high interest loans and damaged vehicles. I should not be responsible for paying a loan on a vehicle that puts my life in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation