vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: IN

Complaint narrative:
on XX/XX/. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called XXXX and they immediately told me they denied this due to it being suspicious activity and that they would inform Transunion and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. Transunion refused even after I sent them the letter and inquiry dispute just like they requested me to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: NY

Complaint narrative:
I called the U.S. Bank for multiple times for a reversed charge of {$78.00} by XXXX on XX/XX/23 I previously disputed but without success. I was confirmed by the U.S. Bank on multiple occasions I was fully charged by XXXX, however, XXXX suspended my account and notified me I had to pay another {$78.00} because they never received my payment. On XX/XX/23, I talked to a representative called XXXX from the U.S. Bank with the call confirmation number XXXX regarding this matter and was told the U.S. Bank would send over a letter directly to XXXX confirming I was fully charged by XXXX already. Later on, I contacted XXXX and was told again they never received my payment of {$78.00}. On XX/XX/23, I called the U.S. Bank again and talked to ( 2 ) different supervisors from the U.S. Bank, XXXX ( I can't remember clearly ) and XXXX with my case number XXXX. They both confirmed the case processor from the U.S. Bank would give me a call on Monday XX/XX/23 between XXXX Eastern time to make sure they send the funds to XXXX, however, I never received a call from anyone from the U.S. Bank. So the U.S. Bank keep my money in their own pocket without sending it to XXXX for almost two months now since XX/XX/23 I got charged back as shown on the attached of my credit card account record. Due to the negligence and corruption of the U.S. Bank, I was the one suffering from the consequences of this unprocessed charge of {$78.00} I already paid in full. I am requesting for an investigation on the U.S. Bank because they are corrupt and did not treat their customer with honesty and respect. They didn't do their job and fulfill what they promised me their customer what they were going to do. They did not send me or XXXX the confirmation of my charge of {$78.00}. They did not process the payment of {$78.00}, which caused my XXXX account to be suspended and XXXX have kept asking me for a duplicate payment of {$78.00} since then.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have several unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NC

Complaint narrative:
XXXX is continuously reporting a charged off XXXX XXXX account under my consumer report that does not belong to me. I have filed an identity report with the FTC and I've disputed with the consumer reporting agency several times and their noncompliance to remove false information is to my detriment and loss of financial gain/opportunities. I will attach FTC report, and a screen shot of the latest update of this account on my report. 

This company ( XXXX ) is in violation of this Federal Consumer Protection Law : 15 USC 1681 ( a ) ( 2 ), because I never gave written permission to report this account nor open it and to be furnished on my consumer report. This account isn't mine and must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have a personal checking account with a small overdraft protection credit line with TD Bank. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that TD Bank had erroneously reported to the credit bureaus that there was a late payment in XX/XX/ that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XX/XX/ ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ). 

Clearly, there was some error on TD Bank 's end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, TD 's own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my TD Bank account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

TD Bank should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, XXXX, XXXX, etc. ). TD Bank should make sure that the account does not have any late payment or other potentially negative information. TD Bank should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hello, I used my debit card for a transaction XX/XX/ as you can see below the transaction in question through my bank. 

XX/XX/18 XXXX XXXX XXXX XXXX PURCHASE XXXX /XX/XX/XXXX XXXX CA As you can also see that this was a debit card transaction and the transaction was done through my bank which is why the transaction is showing on my bank statement. Unfortunately the seller completely ghosted me and did not give me what I was paid for and actually blocked me. I reached out to him and the authorities as well as all proper channels and I was told to go to my bank since the transaction was made through my bank. I signed up with citizens bank because their debit cards come with zero liability coverage. Below is a statement provided directly from their website. 

At Citizens, we understand that you want peace of mind when you bank and shop online. Our Debit Card comes with Zero Liability coverage - this means if your debit card number is fraudulently used to make a purchase, you won't be responsible for that transaction. With our 24/7 fraud monitoring and alerts at Citizens, we make every attempt to prevent that from ever happening. Citizens ' debit cards are the simple and secure way to pay for any of your purchases. 

Now fraud would be defined as wrongful or criminal deception intended to result in financial or personal gain. 

So clearly my bank account being charged for {$1500.00} for something I did not receive would be criminal deception intended to result in financial gain. Citizens bank refuses to honor their word or view my claim. Whenever I would offer to send them proof or the messages with me and the seller they would decline my help and just chose to decline my claim. Their only response is to put the blame on XX/XX/XXXX but my transaction was not done throughXX/XX/XXXXit was done through my bank which is why the transaction shows on my citizens bank statement. They refuse to help me and I am met with consistent lies and denies. They refuse to honor their word of the debit card zero liability coverage and I feel as if I am the victim of fraud with citizens bank because of their false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My account was late based on a special circumstances ( hardship ) all fees were waved ( 1 time exception ) but my credit reports late 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
My Social security Has been compromised and there's been credit inquiries and open accounts that doesn't belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, XXXX fraudulent transactions occurred on my USAA savings account ending in XXXX. One for the amount of {$2000.00} and another for the amount of {$3000.00} simultaneously. Admittedly, earlier that morning I received a text message from " USAA '' stating my account was overdrawn. In a panic, I clicked the link to review my account, and unknowingly allowed access to scammers. 

I contacted USAA immediately while the transactions were still pending, notified them of the fraudulent charges, and opened a Fraudulent Activity Claim. Giving the adequate time to not let the charge actually post to my account, and the funds to be withdrawn. 

On XX/XX/2023, after reviewing the claim for 3 business days I received a notice that my claim was denied. 

On XX/XX/2023, I contacted USAA inquiring about the denial. The representative indicated that I was liable for the fraud because I clicked the link on the text message. At that time I asked for the claim to be reviewed again based of my inexperience with these types of scams and unknowingly clicking on the text link.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ( 13 ) ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME AND I WANT THEM REMOVED RIGHT NOW! I SPOKE WITH AGENT XXXX FROM EXPERIAN AND HE DENIED 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 2023-09-19 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: NC

Complaint narrative:
LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over 80,000 each due to negative credit shown on my consumer report. Ive also had to consult with the XXXXXXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX Data breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: NC

Complaint narrative:
LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over XXXX each due to negative credit shown on my consumer report. Ive also had to consult with the XXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX XXXX breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BEAL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a predatory loan.My interest rates keeps going up every 6 months. I try to get loan modifications and they have been denying me for years and my balance on my principle loan hasn't gone down in 25 years. I bought my house in 1998 for for {$100000.00} with an XXXX $ down payment and today I still owe XXXX. As of today Ive paid over XXXX. 
I am on XXXX now. And Im on a fixed income. With the help of my daughter I am just barely able to make payments.I know they are trying to take my home and I will not let them. I have worked too hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 an inquiry made by JPMORGAN Chase bank was made on my credit. This wasn't done by me and it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
onXX/XX/XXXX. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called Chase and they immediately told me they denied this due to it being suspicious activity and that they would inform XXXX and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. XXXX refused even after I sent them the letter and inquiry dispute just like they requested me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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:
on XX/XX/2023 I came to notice about the inaccuracy after I the consumer was denied the right to extend credit. on XX/XX/2023. I reached out to experian, XXXX and XXXX. To inform stated financial institutions. as defined in 15 usc 6827 ( 4 ) ( a ). they are financial institutions as these stated consumer reporting agengies have relationships with financial institutions by being service providers. under title 15 chapter 94 subchapter 2 congress states it is a violation to obtain or attempt to obtain, or cause to be disclosed to any person, customer infomation of a financial institution relating to another person. not only is the stated reports listed in the affidavit that i have in the attachments section of this complaint not owed. experian, XXXX and XXXX has violated my consumer rights by not informing me of my rights to opt out. Nor did i consent to any of the following transactions or reports listed in the affidavit in the attachments sections of this complaint. this is an infrigment upon my rights. I the consumer was never contacted to ensure accuracy. Therefore no intial investigation was conduted immediately to determine if the reported infomation was accurate. 15 usc 1681 ( a ) ( 4 ) states " There is a need to ensure fairness, impartiallity, and respect for my right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: CO

Complaint narrative:
On XX/XX/23 I exercised the purchase option at the end of my lease term. In violation of the federal Consumer Leasing Act, the dealership charged a fee of {$590.00} which was not disclosed in my original lease agreement. Upon showing the dealership a copy of my agreement, they simply said that the practice is industry standard across all manufacturers. Since Mercedes-Benz Financial Services forces customer in Colorado to work with dealerships directly I had no other option but to pay the fee and seek recourse afterwards.

Company response to consumer: Closed with explanation