vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and Transunion about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) Transunion and XXXX were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and Transunion.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with Experian and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and Experian were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from Experian and 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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
So on XX/XX/2022 i was in the process of transferring XXXX payments of the amount of $ XXXX from my XXXX onto my chime online banking account to pay my bills online. But somehow while the first transfer of {$510.00} was in the process of depositing. I also did another transfer for the anount of {$500.00}. XXXX stated that it was going to take up to 3 business days for the payment to be posted. So i waited to make sure its posted so i can pay my bills. Then when i check on XX/XX/XXXX, there was a charge of {$500.00} being done at XXXX on the XXXX and a charge of {$500.00} being charge at another XXXX without me knowing until its too late. I thought that my small wallet and phone was stolen when i went shopping with some friends and i told the rep i called for a dispute of the two transactions. Later on Ive located my belongings as it actually fell in the crease of the car seats. I did noticed that my phone had a lot of weird scam calls and texts from weird numbers. I later realized that my phone have been hacked somehow and my cards was skimmed. There was a time i remember there was a lady who asked to see if i can give her my phone to make a phone call as she didnt have her phone. I gave it to the lady without thinking much of it because its just a phonecall. At that time i just had my chime card and i had it in my wallet with some of my other cards. My credit card had been used as of fraud as well and im still ongoing investigation with them to get my money back because i just paid off my balance. I do not find any reason to use soo much money at a XXXX when i can just shop somewhere else. I do not have any evidence that will back up my dispute but my dispute had been denied 3-4 times as they see no error occurred when clearly there is. I had to do a fraud alert and freeze my credit just in case any suspicious activity happened again. Please help me onto getting back my money. This is my hard work of 2 weeks pay. I also did contact XXXX and they couldnt even help me onto getting my refund. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
A Checking account and 2 separate Savings accounts were opened in my name at XXXXXXXX XXXX, my social security number was used, but not my full legal name, and false addresses were created .This all occurred between XXXX and XXXXThe person or persons then deposited checks that were not good, but before this was found out by XXXX XXXX, they made multiple ATM withdrawals, agai st one of the Savings accounts, which resulted in a {$3200.00} debt owed to XXXX XXXX In addition, a NOW card from XXXX was activated under my name. I was unaware of any of this until contacted by a collection agency Convergent. I have now worked with XXXXXXXX XXXX and completed a Fraud Report with their collections department and an Idenity Theft Kit and provided proof of my real identity and address at a local bank site with XXXX XXXX a Branch Manager, who guided me to report this Fraudulent act and Idenity Theft to the FTC.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XXXX XXXX  2021 I was issued a 5000 Grant from the XXXX XXXX XXXX I had the money deposited into my American Express Serve account it was for my XXXX XXXX XXXX XXXX once the funds were deposited into my account my account was closed out due to what they say is fraud because it came under XXXX XXXX instead of XXXX XXXX I sent them proof of where the funds came from a copy of my identification card saying my middle name is XXXX as well as all the proof they asked for my account has been closed since XXXX XXXX of 2021 and I still have the 5000 in my account that has not been returned to me I have tried numerous times to resolve this problem with no luck

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Went to dealership with-pre approval letter from XXXX  XXXX, but somehow I now have unauthorized inquiries on my credit reports. An XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 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

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX ( XXXX ) account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank reversed a transaction for {$82.00} from XXXX for a night I didn't stay there and a week after they left. They also reversed {$510.00} charged to me by XXXX again for credit owed to me by the XXXX hotel and nearly a week of days I didn't stay there. XXXX already owed me a {$100.00} on top of that for my deposit. And US bank didn't even send me a letter warning me of the last transaction for {$510.00}. They just took the money back. They didn't contact me to ask me for any evidence for which I absolutely had. The debit card team refuses to return my calls. I have solid proof that my claims are true and US bank seriously doesn't even contact me over this. I moved into an apartment, the payment even shows on my bill for XXXX XXXX. I am taking all my money out of US Bank because you don't protect your client 's money and I will either be getting a lawyer or taking them to small claims court. They already caused me to lose hundreds of dollars by improperly handling an earlier case and their agents not giving me the correct advice when I could have done a XXXX dispute as an alternative. US Bank absolutely is not handling this legally and is the worst bank I have ever dealt with.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
New and updated information. I XXXX XXXX am making this complaint without the assistance of a third party. Experian is stating that they put an extended fraud alert on my report per my request and I did NOT request a fraud alert to be placed. Attached are the initial complaints made through the CFPB and a Fraud alert request is not stated in any of those complaints. Experian is who has committed fraud against me by furnishing accounts on my consumer report without my consent pursuant to 15 usc 1681b ( a ) ( 2 ). They also have not complied with 15 USC 1681 c-2 and blocked the accounts listed on the listed on the FTC 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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX/XXXX/22 i filed initial cfpb complaint & in writing to credit bureau/ it's got immediately closed, then i filed 2nd dispute with cfpb on the XXXX/XXXX/22 due to their response to my dispute didn't match my issues in my dispute/complaint. 

Per 15 U.S. Code 1681i - 2 ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Per 15 U.S. Code 1681i - 5 ( a ) ( i ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Per the 15 USC Codes above : Credit Bureaus were supposed to send me a letter to my address WITHIN 5 DAYS indicating they receive my dispute and it's been investigated. And this wasn't done, so accounts SHALL 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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report. 

Creditor Name : XXXX Account Acct # : XXXX BALANCE XXXX Reporting Paid and creditor agreed to remove from credit reports and Equifax is the only one continuing to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened account about a month I deposited XXXX cash and my settlement check of XXXX and I made deposit in person in the branch the lady I spoke with treated me like I was just below her her name was XXXX XXXX XXXX they are holding my funds

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
I been disputing XXXX XXXX since XX/XX/XXXX, XX/XX/XXXX, lastly XX/XX/XXXX I have ask them to to please verify and the information came back verified I have ask them to investigate every detail and it came back verified. How can the investigation of the bureau be accurate when I see a ton of inaccurate information. The consumer agenices HAS VIOLATED MY CONSUMER RIGHTS UNDER THE FCRA. 

15usc1681b permissible purposes of reports. ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency did not get my consent to be furnishing this embarrassing alleged debt. They have no respect for my privacy 15usc 1681 ( a ) ( 4 ) 15 u.s.c. 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Duty of FURNISHERS of information to provide accurate information ( a ) prohibition-reporting information with actual knowledge of errors -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. 
Than after I ask the consumer agenices to investigate the report they verified as accurate and update the actual payment which was $ XXXXincomplete Historical account history which is inaccurate making the day of first delinquency inaccurate in the remark they didn't didn't put consumer is disputing this account on the account history XX/XX/XXXX is missing, their no credit limit, no high credit, date of last activity is incomplete. 
15u.s.c 1681a ( e ) the term " investigative consumer report " means a consumer report portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Consumer agenices failed to do so. With all this inaccuracies on my report after a investigation consumer agenices to assure maximum accuracy I counted 13 on this account 15usc1681e Compliance procedures whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.

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