vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: CA

Complaint narrative:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : PAVERITE Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
Last month I had been going through a scam situation in which I thought I was transferring money for a professor from the XXXX XXXX XXXX who was across seas to a foster home that was in need, this transfer was made via XXXX. Originally the request was that I would personally purchase and mail items to the foster homes, the scammer told me that due to covid protocol the home did not want me sending things and instead send the money so their staff could make the purchases. I had been talking with this person for about two weeks on what items the foster home needed and when they would need it by. It had turned out this professors information had been compromised and it was not really him that I was doing this for but a scammer. He called me after the transfer and the voice on the phone threw me off and I realized it was a scam. As soon as I realized this I filed a police report and contacted the bank in XXXX Idaho. The bank manager told me I was liable for all the charges and there was no fraud protection. When I asked her if there was anything I can do she said she would get back to me. She never did. I called a again a few days later and was told she was in a meeting and would call me back. She never did. I went into the branch twice and she would not even show her face. I tried to work on doing a settlement so that I would not be liable for as much and she would not allow it saying it would go on my credit report and had a teller tell me that so that she did not have to talk directly to me. I had to open a new account which was recently closed the day after I wrote a bad review on XXXX for her. After almost a month they closed my savings and my new account, but left the one that was scammed open. They still have not said a single word to me. US Bank had never warned people of the risks of using XXXX, they never disclosed that it was unsecure and not protected. They forced every single person with a bank account there into having it without warning people. The total amount I was scammed for was {$3500.00}. I'm a poor college XXXX that was trying to do a good thing and I am being treated like I am a bad person that deserves to suffer from the bank manager. I filed a police report, reported it to the school, who refused to warn other students of the scam. I'm actively doing everything I can to warn people of what happened. According to the officer there were three people who's accounts were compromised and no one I warning students of what has happened. I do not want this to happen to anyone else. I want the bank to take responsibility for using an unsecured service that they didn't warn the people forced into it about.

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 2022-07-13 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: GA

Complaint narrative:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2022-07-13 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.

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 2022-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
To whom it may concern, I am writing to explain the frustration and concerns I have with Bank of America Credit card services. I have had this specific credit card since XXXX and was recently offered a 0 % for 12 or 18 months on balance transfers. I took advantage of this offer in XX/XX/XXXX transferring about {$9000.00} of my {$12000.00} credit limit to this card. I received notification from Bank of America recently that they had closed my account. I then called the Bank and was told that by me transferring the {$9000.00} theyre systems saw this as increased risk and therefore they decided to close my account. My issue here is why would they have this promotion if they were just going to see this as increased risk and close customers accounts as a result? By them closing my credit card my credit score suffered as a result.

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 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX the mortgage company citizens bank, payed me XXXX dollars for excess funds in my escrow account. I never received the check. I called back 6 times, about 1 time a month, asking for the check because I never received it. They say it shows the check has not been cashed and they will resend. However every time I call back they say an error happened and they will do it again. 

Ive been waiting for my money since XX/XX/2022 and havent received it. I closed my account with them due to a refi of my mortgage. Im nervous I wont recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: GA

Complaint narrative:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2022-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
13. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone has been making inquiries on my credit report and now there are 2 unauthorized hard inquiries on my credit report that I need removed. They are causing a lot of stress in my life and to my family as it if affecting my credit. One of the inquiries I was not even living in the country  at the time. 

Inquiry XXXX : XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Inquiry 2 : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, Equifax, and or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, Experian, XXXX, and or 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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My Account Balance From XX/XX/2022 Through XX/XX/2022 Is NOT Accurate After My Spending For Those Months..I Have Spoken With Bank Of America Customer Service Including Supervisors Over 50 Times And I havent Got Any Answers To Why Isnt My Money In My Account Over Half Of Customers Service Say They Cant See My Spending And Budgeting.. And The Rest Of Customer Service Reps Say They Can See Can See Whats Suppose To Be In My Account But They Dont Have Access To See Where My Money Went On XX/XX/XXXX, I Spoke With A Supervisor And She Put A Claim To Digital Banking I Have A Claim But They Claim At..I Suppose To Balance Of {$7100.00} For XX/XX/2022 And XXXX XXXX A Total Of {$13000.00} For A 9Month Total..Please Help Me Get My Money Back..I Emailed The BofA Team And No Response..The Blue Pictures Are Questions And Answers I Asked XXXX From Online Banking..

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 2022-07-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, XXXX AND TRANSUNION CREDIT REPORTING FILE ACCT NUMBER 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