vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX24 Opened account with Ally and deposited check ( pay check from employer ) via their mobile banking app, time frame for when check would appear in account was 5 working days. 

XXXX/XXXX/24 Balance from check appears in Ally checking account- have yet to receive Ally debit card in the mail however, so decide to transfer a portion of the checking balance onto a prepaid credit card ( XXXX card ) to use for groceries, utilities etc until the Ally debit card arrives. Attempted to do this through XXXX, but hold was placed on the transfer, prompted to call Ally to remove this hold. Did so, but they were unable to remove the hold and ended up restricting my Ally checking account ( and savings account ) also. 

Have called Ally multiple times since, seeking an estimated timeframe for when access will be restored to my account but have not been given any answer. 
I find this unacceptable as all my money is in this account, so I have no means to purchase groceries, pay utilities, rent etc.

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 2024-01-25 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-01-25 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: OK

Complaint narrative:
Please send thse attachments to XXXX after i sent a dispute in through the CFPB in regards to the XXXX data breach claim settlment that i was awarded. I wrote experian shwoing them they are the last person honoring these accounts and they need to come off due to fraud. THey then asked me to provide them documentation even tho I did on CFPB website and they asked be to upload docs to the experian.com/upload web page however for days now it will not allow me I am even including a screen shot of the error message it kept sending. But here is the information requested, I have provided all of these over time at one point or another and you guys have just not done your job and removed them. I can prove 20 different ways without a shadow of a doubt that I wasnt in some of these states nor did I live in a common said during this time and can prove it due to court orders and military XXXX, during this time period. How can I be on XXXX but going to school and applying during a time I am states away and locked up, I cant, please remove these immediately! You can even look at my credit score right now and you will see a closed debt from XXXX from some of the same years that this auto loan and student loans are aquired .... Well thats impossible it could be me cause XXXX is the XXXX XXXX XXXX XXXX ... And do you know what that closed XXXX account was??? Take a while guess .... ITs from two back to back XXXX and the XXXX over paying me but not noticing until I was back state side after 36 months... So then I had to pay it back and they reported it to you ... .... So logically think how that would add up?? it doesnt.. thats cause these area ll fraudlent please send all of this and the attachemnts to experian regarding my last dispute

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had an offer presented to me while reviewing my existing Chase Credit Card account for a new checking account with a bonus if conditions were met of " an Employer direct deposit within 90 days of account opening ''. ( Attached screenshots of the offer and the online presentation ). 
They said they would pay the {$300.00} within 15days of the condition being met, which would have been the XXXX ( XXXX XXXX ) or XXXX ( XXXX business day after XXXX day ). I contacted them on XXXX  and they said my coupon code wasn't applied when I opened the account. 1 of the screenshot provided said " Coupon code applied when you choose " open an account '' '' ( screenshot provided ). 
I met the condition of not being a current customer and not having an account closed in XXXX with a negative balance. ( terms provided in screenshot ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: I.C. System, Inc.
State: IL

Complaint narrative:
No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. XXXX sold to XXXXXXXX XXXX XXXX for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also An ATT account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on XXXX XXXX. I can not afford these phones that are XXXX of dollars. I live in a XXXX XXXX. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. AT & T is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.

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 2024-01-25 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: MI

Complaint narrative:
Subject : Dispute Letter - Request for Removal of Incorrect Addresses I am writing to dispute and request the removal of incorrect addresses from my credit report. After reviewing my credit report, I have identified several addresses that are inaccurate and do not belong to me. The correct address that should be associated with my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX State : MI ZIP Code : XXXX I kindly request that you investigate and remove all addresses that are not the one listed above. 

I understand the importance of accurate information on my credit report, and I believe that the presence of these incorrect addresses is adversely affecting my creditworthiness. I have attached copies of supporting documents, such as utility bills or official letters, to verify my correct address. 

Please conduct a thorough review and promptly update my credit report to reflect only the accurate address mentioned above. I also request written confirmation of the removal of these incorrect addresses once the investigation is complete. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report. 

Sincerely, 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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The situation in my credit report is causing me profound distress, and my disappointment is thorough. It's not only highly embarrassing, but it's apparent that either you or the company is responsible for reporting this inaccurate information. I have a consistent record of on-time payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-25 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: IN

Complaint narrative:
Please see documents Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-25 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: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 2024-01-25 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: TX

Complaint narrative:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX 2023 I deposited two checks into a previously negative bank account, one directly from work and another through their app from school ( leftover loan money I received each term, and had deposited before ). Bank closes my account AFTER depositing both checks. Around a month later, maybe two, received a check for between $ XXXX, but I have a remaining XXXX still unreturned. Contacted bank numerous times, via phone, in person, and at original bank I opened account at ( at their request ). Still nothing, and no information.

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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
I paid this debt with another company. The payments were not reported to the court. The account was transferred, and now I am being garnished for a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-01-25 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: ID

Complaint narrative:
After over a year of trying to get information about why my loans were not forgiven under the limited PLSF, I filed a complaint with the CFPB. Yesterday, I finally received a response, which stated " Please note, the PSLF limited waiver ended on XX/XX/XXXX. In order to be eligible for the PSLF limited waiver, you must have applied for PSLF while having eligible loans. If you did not have any eligible loan types at the time of the submission of your application, you must have applied for a Direct Consolidation Loan on or before XX/XX/XXXX, to be eligible for qualifying payment count evaluation under the PSLF limited waiver. As a result of your XX/XX/XXXX consolidation, your qualifying payment periods have temporarily reset as FSA evaluates your underlying loan history under the above criteria for PSLF. '' This information is inaccurate -- I filed for a direct consolidation loan on XX/XX/XXXX with Mohela ( please see email confirmation attached ). I submitted all of my qualifying employment before the XXXX XXXX ( see print screen of my DOE account page ) and received confirmation from Mohela that they were working on my PLSF request on XX/XX/XXXX, before the date at which they are claiming I filed for consolidation. They need to correct this error and evaluate me under limited PLSF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Continue to report inaccurate information on my consumer report! Defamation of character, unfair means to collect a debt, exercising the color of law, pursuant to 15 USC 6802, pursuant to 15 USC 1692 k, pursuant to 15 USC 1681 b! A debt collector might not use unfair me to collect a debt, and as the consumer I am invoking my specified remedy of deleting this inaccurate information from My consumer report and send documentation state in that it has been removed and also pay me {$1000.00} for this violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-25 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Two weeks ago I paid off my car loan with XXXX  XXXX. I canceled my bill pay and deleted all information. Usaa says that I have to get there approval to cancel any bill pay.usaa paid XXXX  XXXX {$1500.00} with out my permission now Ill have to Waite for 30 to 60 days to receive my money back.

Im wondering how many other payments are being paid out of my account by usaa that I havent approved. If you can please audit my accounts there at usaa. 
I thought it is my money but usaa says its theres to use as they see fit. 
This is tied to this XXXX XXXXXXXX open case XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a objection to COMENITY BANK with respect to the inappropriate utilization of my credit report and the revealing of wrong data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of directing a legitimate examination, after exploring my credit report, I found that incorrect data continues. 
The errors incorporate yet are not restricted to, the date opened, date of last payment, account status, and payment history. Despite the initial request for an investigation, such inaccuracies continue to appear on my credit report, which is disheartening. I trust what is going on encroaches upon my privileges as illustrated in 15 U.S.C 1681 segment 602 A, which stresses my right to protection. Moreover, 15 U.S.C 1681 segment 604 A Part 2 specifies that a shopper detailing office can't outfit a record without my composed guidelines. I generously demand a careful survey of my case and the brief adjustment of the mistakes in my credit report. Your collaboration in settling this matter is profoundly valued. That's what I believe, as a legitimate credit detailing office, COMENITY BANK will do whatever it takes to redress what is going on and guarantee the exactness of the data in my credit document. In support of this complaint, I have attached an FTC report with the number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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