vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: PA

Complaint narrative:
Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006.

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX 
Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX ( Transunion ) XXXX XXXX XXXX XXXX 
Account Number XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: PA

Complaint narrative:
Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006. 

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I have two accounts that have been added to my credit reports in error. These accounts do not belong to me and need to be removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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:
I have two accounts that have been added to my credit reports in error. These accounts do not belong to me and need to be removed. 


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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
Some time ago, I received a letter from City National Bank indicating that they had {$2600.00} of my money that I should request be sent to me. I made the request that the funds be sent to me and received nothing. The CA State Controller recently sent a letter indicating that if I did not respond by XX/XX/24 the funds would be sent to the State of CA. I sent an additional email and letter to City National bank and I would like my funds sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NJ

Complaint narrative:
I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to along with an account that should no longer be reporting on my account.. Upon reviewing my credit report, I discovered the following unauthorized accounts : 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 I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately.

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent, that I the consumer did in fact open the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the account I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Block and delete the fraudulent items listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference number : XXXX. Please remove.

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 2024-03-01 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Block and delete the fraudulent items listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference number : XXXX. Please remove.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
request was submitted to provide the Form1099-C for the settlement of debt cancelation payment of {$2500.00} made effective XXXX 2023 and it has not been received. Also the form of ID that was used to open the account because several letters from this auto loan has come with multiple errors in the name and address which has lead to misleading information, discrepancies an inaccurate reporting on the credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-01 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive gone on free annual credit report website and have tried to get my credit report from TransUnion. They constantly keep denying me it wont send it in the mail. It wont give it to me online they wont fix my disputes or remove my hard inquiries Ive submitted sufficient proof to them over and over and over. They never do what they say. They will return the answer or response to the CFPB and just write that we have sent the results in the mail should receive them within 7 to 10 days and they never send me anything. They are liars, cheaters and scammers, and keep violating fair credit reporting act. And my rights

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 2024-03-01 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: AZ

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed a charge from XXXX rental with Bank Of America several weeks ago. I first called XXXX XXXX XXXX XXXX, FL and spoke with XXXX who said that when the car was returned they found that I returned the car with fruit on the consult of the car and not washed when you returned. This is a complete lie as the rental was returned clean both inside and out. I was told by Bank of America that I would receive provisional credit within 10 days. Upon checking on my provisional credit a few days ago I spoke with a representative who said the same thing happened to her when she rented a car at XXXX they charged her a ridiculous {$400.00} plus fee and she returned the car Clean the Bank of America representative also informed me that she would ensure that I receive my money back because she understands the frustration being that she When do the same thing with XXXX being dishonest. Two days later I call and Bank of America notified me that they close the dispute because they said I never sent them any documentation. First I was never notified by Bank of America via letter or conversation to send them documentation or pictures of the rental. When I went to get proof from XXXX according to their document they do not have the photos to share and they were not willing to provide any information. Bank Of America is in Violation of the truth and lending act. I feel discriminated against by Bank of America because I am on Social Security XXXX and they refused to help 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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
I went to a school in XXXX XXXX  and College name was XXXX XXXX. This School lied to me. The have me a 15 day grace period to decide if I wants to go this school. And by doing thats they made everything look and sound good. But had I known that the instructors and the head supervisor werent properly certified according to the state of XXXX  I would have never went to this school. No did I graduate from this coarse which was 9 months long yes I did. But that was because I had no choice after I had signed the papers. The school lied about the credentials the teachers who taught the coarse etc, I wan to be removed from paying this loan back because this school was know for being untruthful in the past. And shouldnt have been operating in the first place. And how I had found out about the non state certified teachers was because the school started to mess with there pay so they started telling the truth about the school. 2 of the instructors worked for XXXX XXXX and the head guy who name was XXXX was just in the field for a long time and he wasnt even certified by the state of XXXX. XXXX and a half later the school was still taking on people for the XXXXXXXX XXXX XXXX coarse and the shut the school down without notice. There is no way to get info for this school to accommodate my truths. But this loan speaks for itself. I should have to pay this loan back when I was lied to and manipulated by the staff and the school itself. Please help me or point me in the right direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Early XXXX I had an unexplained large drop in credit score. Credit reporting did not offer explanation. The only change I had with my financials was using a Synchrony Bank card ( care credit ). The large drop in credit was not justified by the small usage on the already established card. I contacted the company directly and explained the issue. They never followed up with a response or solution, but a few days later I saw where my credit score had an increase. I was grateful they fixed their issue, but then a few days later I saw where another one of my cards with Synchrony Bank ( TJmaxx rewards card ) had been closed. I didnt authorize the closure, I use the card, theres no required usage amount in the agreement so I reached out to them. They were very rude and told me it had been closed due to inactivity. I explained I use the card and that it was odd that it just so happened to be closed after I had to dispute a credit report factor with the company days prior & requested information be sent to me. They offered no help & never sent the info I requested. I contacted the company again this time requesting a supervisor. The supervisor was just as unhelpful and told me it had been closed due to inactivity or so the note for closure said. I explained their wasnt anything in the agreement that stated it had to be used so often nor did I receive a notice about it. After a long hold she said they can close my account for any reason any time. I explained to her that I believed the reason my account had been closed was due to the fact I had to dispute a credit report factor with them days prior to the closure & it was done as a way to bully & spite me. I honestly do not care about the account being closed and me being unable to use the card because the max limit was very low anyways, but what I do care is how it negatively affected my credit score by XXXX points! Thats a large drop! I used my card every so often just to keep the account active to avoid the credit drop. I feel theres been some very serious bullying and discrimination coming from Synchrony Bank and their employees. I will not be satisfied until justice is served and my credit report is back to how it was before the account was closed and dropping it XXXX. I have given the company every opportunity to make this right & my next step if unresolved will be legal action. Thanks.

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 2024-03-01 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief