vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$22000.00}, consumer adj co balance {$120.00}, XXXX XXXX balance {$350.00}, XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX balance {$370.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}

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 2024-11-07 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: VA

Complaint narrative:
Company called XXXX. But it bleong to XXXX XXXX when I call there number and they are not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
They reported in accurate information on my account. They validated my rights on the 15 US 1681 1692 and session 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I had made a purchase in the amount of {$1400.00}. I have recently become aware that this balance has not changed, even though the promotional plan terms specify how the payments made since then would be allocated between a carried balance and the promotional balance ( I am including this below ). When I called the bank 's Customer Service line, they told me that even though it is their error, they could only reallocate the previous month 's payment to conform to the published terms, and not apply this retroactively to all of my payments made this year. They will bill me all of the deferred interest if this promotional balance is not paid off in full by XX/XX/XXXX. 

From the text of the billing terms ( attached below ) : Deferred Interest, Payment Required : No interest if paid in full within XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX months. Interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in full within the promotional period.

Promotional Plan Information : If you do not pay each plans remaining balance by the expiration date, any remaining plan balance and accrued interest ( if applicable ) will be added to your regular balance on your next billing statement. 

Promotional plan information is accurate as of your last billing statement date. Please review your most recent statement for detailed information. 
Plan Name : Plan XXXX - XXXX Plan Balance as of Last Statement : {$1400.00} Expiration Date : XX/XX/XXXX Review the " Details of your plans '' section of your monthly billing statement or the Promotional Plans section of the Home page for more information. 

More Info When you have XXXX or more plans in addition to your credit account, your payment is automatically divided between your plans minimum due and your credit account. To learn more about your plans, visit the Promotional Plans page.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am the independent administrator to my fathers estate, I opened a Estate account through XXXX XXXX  XXXX for the purpose of receiving the wire funds from the sell of my fathers home. I received the wire to the estate account at XXXX XXXX XXXX Last week on XX/XX/year>, the wire cleared on XX/XX/year>, I then visited XXXX XXXX XXXX at a local branch and did a wire transfer from the estate account at XXXX XXXX  XXXX to my personal account at Navy Federal Credit Union on XXXX. The execute wire to my personal account then cleared on XX/XX/year> and everything was fine until I went to make withdrawals. I went to XXXX branch and they were not able to give me the initial amount I asked for so I had to go to another Navy federal Branch to make an additional withdrawal and still was unsuccessful on getting the amount I desired, so I had to go to another Navy Federal Branch and that's where I learned that the previous branch I had visited that same day flagged my account and my account has been frozen since that day of XXXX and here we are on XX/XX/year> and I still do not have access to my account because they are saying that they are still " verifying '' the wire. I was initially told at the XXXX branch that informed me that my account ad been frozen that it would only take XXXX business days and here we are an entire week later and I still don not have access to My Funds Nor MY account and every time I call Navy Federal Customer Service I have yet to get a clear picture on what's going on or any real help or updates. I am EXTREMELY disappointed in the treatment I have received from Navy Federal Credit Union and its poor customer service. I also advised them that I have bills that are now past due because of this whole thing that they created and stuff that is possibly going to collections due to me not being able to access the money that is rightfully mines, I have been treated unfairly, discriminated against and Demand them to REALSE MY FUNDS AT ONCE!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} DPT TREASURY XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX - XX/XX/XXXX - {$13000.00}

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 2024-11-07 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: FL

Complaint narrative:
my credit report is full of accounts that been XXXX XXXX, the account has been canceled with a XXXX c filed with my taxes

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 2024-11-07 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:
my credit report is full of accounts that been XXXX XXXX, the account has been canceled with a XXXX c filed with my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard Inquiry listed twice, in the same day, for the same card. 
Should only be one hard inquiry for one card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: RI

Complaint narrative:
For several years I have been trying to erase the bankruptcy from my credit report, I have sent multiple letters with the necessary evidence to erase this bankruptcy from my credit file to Experian and XXXX and they do not pay attention to me. It is bankruptcy. It was dismissed. It never happened, but a judge I stayed at the table I went to the bankruptcy court and asked if they sent any information and they told me that no, they do not report to the credit bureau separately, it was a dismissal.

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 2024-11-07 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This Account is fraudulent and old enough to continue in my credit report Membership was cancel as gym classes closed per city ordinance to close all gym 's by the XXXX, back on XXXX. 
I have talked to the collection agency Aldous and Associates they do not respect that the membership was canceled by them XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive reviewed my Consumer Reports and noticed one late payment on my account which has never been late. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late in any payment for this account ( XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. Please investigation and provide proof with statements showing that this payment was late. In addition, if no proof can be provided I demand this payment status to be updated to on-time as they should be as I was NEVER LATE. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
These accounts have been paid from XXXX XXXX XXXX XXXX loan forgiveness, which has been closed. This inquiry is old and has been closed out. The Dept. EDU have been trying to reopen a Fraud account to keep reporting to my credit report without my authorization or realization that I closed multiple accounts according to closed student loans under different business names.

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 2024-11-07 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-07 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: TX

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Amount is not disclosed because they were not able to find the account because it was charged off. But Santander bank allowed someone to fraudulently open an account with them and use the their services under my name. XX/XX/year> Santander bank charged off a bank account regarding fraudulent check deposit. I have never owned a Santander bank so this is a problem on every level. Now my name is in the XXXX  regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Sent {$3000.00} to a trusted vendor who Ive done business with for many years. XXXX, through Bank of America, showed a completed payment but the vendor never received the money. 

XX/XX/year> Requested an investigation into where the missing {$3000.00} is. They claim to have followed my orders on initiating the transfer but can not confirm if the other bank received it. Denied my request. They claim its on XXXX, but XXXX cant even speak to XXXX as they say it has to be done through BofA because I used their mobile app to initiate. Only during this drawn out process do I read that XXXX considers their money transfers to be an investment not backed up by the FDIC which is absurd. 

XX/XX/year> Spoke to BoA rep that is a fraud and XXXX liaison. She notes Ive done business with these folks many times before with no problem, opens another audit and then commences to sending me the same thing as before XXXX days later. Its out of their hands, XXXX is who to speak to and they cant confirm anything. If XXXX has partnered with BofA to sell investment vehicles masked as a money transfer service, seeing that on the app the option for XXXX is under TRANSFER FUNDS, then you would think theyd be responsible for the company they vouch to be able to move funds for their customers. 

As of XX/XX/year> the money is still missing and no one can tell me whos to blame or where it went. I just lost my farm in hurricane XXXX and am lucky to still have any business and thanks to this issue XXXX be turning customers away while these financial institutions pass the blame. Obviously now I know never to use XXXX again, and to post everywhere I can on the internet my experience. The next step will be to withdraw every dollar from Bank of America and make sure to tell as many people online about this as possible. I hope you can help remedy this. Thanks for your time.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

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 2024-11-07 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts from my credit report. As a victim of identity theft due to a recent data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts permanently removed from my credit file. 
The accounts that I am disputing as fraudulent and request to be deleted are as follows : Fraudulent Accounts :XX/XX/XXXXXXXX - XX/XX/XXXX - {$00.00} XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$1800.00} XX/XX/XXXX XXXX - XX/XX/XXXX - {$00.00} XX/XX/XXXXXXXX - XX/XX/XXXX - {$22.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
On XX/XX/year>, a notarized affidavit was sent via certified mail and the consumer reporting agency has not complied with the legal and lawful demand to block information on the basis of a misrepresentation of fact. This complaint is a further claim and additional evidence to make the Consumer Financial Protection Bureau aware of the breach of contract on the federal level. Please see attached documents so that you are well informed.

Company response to consumer: Closed with non-monetary relief