vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX {$460.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX 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 2024-09-27 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX {$460.00} XXXXXXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX 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 2024-09-27 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: NY

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX, NY, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-27 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-09-27 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
An attempt to open an Indigo Mastercard in my name occurred on XX/XX/XXXXXXXX The hard inquiry was blocked on XX/XX/XXXX because credit reports are frozen for all 3 bureaus. 

They had my name, birthdate, social security number correct. I called the credit card company for Indigo Mastercard and reported the fraud XX/XX/XXXXXXXX They are investigating on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am a joint account holder with my XXXX mother and I have POA. We have a joint savings and checking account at USAA. On XX/XX/XXXXXXXX XXXX XXXX XXXX My mother was XXXX XXXX XXXX XXXX XXXX  who fraudulently removed $ XXXX from her XXXX account and then wired it to an account at XXXX XXXX. 

When my mom realized what had happened, she called USAA the very next day ( XXXX ) to report the incident. For many days after that, my mom had a lot of trouble getting any information out of USAA, until she finally told ME what happened on XX/XX/XXXX. Together, we managed to reach the fraud department on XX/XX/XXXX ( XXXX XXXX who claimed the investigation had been " closed '' and that a decision would be made on XX/XX/XXXX regarding reimbursement. 

So, we waited until XX/XX/XXXX and I finally called USAA again to get some kind of answer. I was passed around to 3 different people for an hour before I finally requested an escalation to the CEO advisory group. The ONLY reason I knew about this escalation process is because of a USAA Fraud Victims XXXX page. If I hadn't read about it, I wouldn't have known how to get help. 

I talked to a XXXX on this escalation team and she heard me out. She promised to finally assign my case to someone at USAA who can research my situation and " get back to me in a few days. '' We'll see what happens. I hope to hear from them. 

My BIGGEST issues here are : XXXX ) I am a joint account holder with someone who is XXXX XXXX XXXX. Why was I NEVER notified of the transaction? 
2 ) Why is it SO hard to get information on an ongoing investigation? ( It takes 1+ hours to get someone in the fraud department, and that's AFTER escalating from the first front line team ) 3 ) Victims of fraud are made to feel like WE did something wrong and are made to repeat the situation over and over again with each new rep who answers the phone. 
4 ) There was an initial transfer from checking to savings of {$680.00}, which was the impetus for my Mom 's call to the fraudulent company who sent her a " receipt '' for {$680.00}. My mom did not authorize this transaction, nor did she " authorize '' the wire transfer out of {$21000.00}.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting my credit card accounts wrong. The amounts owed are all wrong and need to be corrected. 

Also they need to remove old paid off 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 

I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I set up a savings account with Marcus by Goldman Sachs and deposited {$90000.00} dollars with the intent to move it into a CD. 0n XX/XX/year> I discovered my account was locked and call to have it unlocked, which they did. I then found my account locked again on XX/XX/year> and after more than an hour on the phone the agent informed me the bank was closing my account with no explanation and would send my money back but couldn't tell me how until a manager was available the next day. I called back on XX/XX/year> and spoke to another representative who said there must have been a mistake and after another hour unlocked my account. On XX/XX/year> I found my account once again locked and call the bank again on XX/XX/year> and was told the account would in fact be closed and they would mail me my check and the accrued interest. I then received a call the next day XX/XX/year> stating that they could not mail my check and I would need to have it transferred back into the account I transferred it from. I then provided the routing and account number for the TEST transfer. XX/XX/year> and the test transfer was not received and after two calls the rep told me she didn't see a transfer and would have someone call me back in 3-5 business days. At this point I feel the bank is holding my money hostage and from what I have read online this is a very common practice for them as a means to take advantage of their customers. At this point I have no access to my money which is my life savings and don't even have access to the account numbers as everything is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-26 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: NC

Complaint narrative:
( XXXX XXXX ) XXXX, XX/XX/XXXX, contents of complaint : this CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Equifax credit reporting agency block any information appearing on my consumer credit report that is the result of identity, theft, and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a car loan account open with XXXX Consumer on XX/XX/XXXX account number ( XXXX ), a rental lease with Fair Collections & outsource opened XX/XX/XXXX account number ( XXXX ) credit card account with XXXX opened on XX/XX/XXXX account number ( XXXX ), These accounts have resulted in several fraudulent collections appearing on my consumer file credit report all of that aforementioned accounts collections are the results of identity, theft, and fraud. I have attached a copy of FTC identity, theft criminal complaint as proof from the US federal trade commission that all of the aforementioned consumer credit accounts collection accounts are the result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
Hello, This company has unfair and unethical policies. I asked them countless, even within 3 day rule to allow for the revocation to stop auto drafting my account! 

They gave me the run around and would refuse to stop auto drafting my account when I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have failed several complaints stating that someone fraudulently open up accounts that I did not consent to. XXXX XXXX and XXXXXXXX XXXXThese fraduents accounts has been removed from XXXX reports almost a year ago. They have failed to delete these fradulent accounts from my Experian report as well as my XXXX report. These items do not belong to me, these inaccurate reporting is 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