vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX. My husband died 2 months ago. I have been in financial and emotional distress. 
Last week when I went grocercy shopping my payment was declined.My daughter was with me and paid for my groceries. 
When I got home, there was an email from the bank saying that they did not pay a check because of insuficiant funds. In that same email they stated that I had a balance of {$2900.00}. 
Never did I receive any info that my account was a victim of fraud! 
I called and sat on hold for 25 minutes. My daughter thought that there was just a mistake and I hung up. We rethought and redialed and waited another 25 minutes only to find that my account was on hold ( frozen ) with no other explanation. We were to get a call back to speak with someone else. 
In speaking with someone else, we were told that my daughters name was never added to my account after we mailed in the papers they requested so she can not help me. 
The next day we called again and sat on the phone with someone for 35 minutes only to find that a XXXX XXXX XXXX had been added as a coowner on my account. I have no idea who this is or how they got in to my account. 
The banks fraud department is working on it but no one will acknowledge that they made a mistake. No on will tell us how this persone got on my account. In addition, I am jumping through hoops, my daughter is driving me all over town to confirm I am who I say I am. If they would have done this to begin with someone else would not be on my account! 
Thank you Bank Of America for making my life harder than it already is.

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 2024-03-06 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: AZ

Complaint narrative:
I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$0.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate account information as quickly as possible.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I got divorced last year. I was an authorized user on several credit cards in her name. All of these companies allowed me to call and have myself removed except for Citibank. My wife has a delinquent, closed account with Citibank which I am an authorized user of. I have called multiple times over the past year and even sent a copy of the page from our XXXX which states that the account is her responsibility and that I can not be held liable for the debt, but Citibank refuses to remove me from the account and it is adversely affecting my credit score.

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 2024-03-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute the information currently present on my consumer report. My name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It has come to my attention that there are additional credit inquiries, names, addresses, phone numbers, and employers listed on my consumer report that are inaccurate. These inaccuracies are a result of my nonpublic personal information being shared by financial institutions with consumer reporting agencies without my written permissible purpose or a court subpoena, which is a violation of the Fair Credit Reporting Act. 
In compliance with the Fair Credit Reporting Act, obtaining a consumer report on an individual is only permissible if the consumer is explicitly informed in writing, or by mail within three days from the credit inquiry date, that an investigative report may be generated for them. The individuals listed below failed to furnish written disclosures to me, and I request the prompt removal of these unauthorized inquiries from my records. 

XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  TransUnion I kindly request the following actions : Delete these unauthorized credit inquiries associated with my consumer report immediately and permanently. 
Delete all other names, addresses, phone numbers, and employers listed on my consumer report. 

Thank you for your prompt attention to this matter. 
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 2024-03-06 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: NC

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: NC

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-06 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:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit reports and I spotted unauthorized and fraudulent inquiries. I have not initiated any transactions with these companies.

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 2024-03-06 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I recently reviewed my credit reports and I spotted unauthorized and fraudulent inquiries. I have not initiated any transactions with these companies.

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 2024-03-06 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: FL

Complaint narrative:
I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )

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 2024-03-06 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: CA

Complaint narrative:
I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRADULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2024-03-06 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: CA

Complaint narrative:
I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRADULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Nelnet and Department of Education have not reported accurate information to the Credit Bureaus. 

I received a letter from Nelnet on XX/XX/XXXX stating that my Federal Student loan balance was XXXX. 

As of today, XX/XX/XXXX XXXX, XXXX and XXXX are all seeing a balance of {$30000.00}. 

This has an effect on my credit score and needs to be reported. I've sent disputes to the agencies and awaiting response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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 recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

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 2024-03-06 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the information currently present on my consumer report. My name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It has come to my attention that there are additional credit inquiries, names, addresses, phone numbers, and employers listed on my consumer report that are inaccurate. These inaccuracies are a result of my nonpublic personal information being shared by financial institutions with consumer reporting agencies without my written permissible purpose or a court subpoena, which is a violation of the Fair Credit Reporting Act. 
In compliance with the Fair Credit Reporting Act, obtaining a consumer report on an individual is only permissible if the consumer is explicitly informed in writing, or by mail within three days from the credit inquiry date, that an investigative report may be generated for them. The individuals listed below failed to furnish written disclosures to me, and I request the prompt removal of these unauthorized inquiries from my records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Experian I kindly request the following actions : Delete these unauthorized credit inquiries associated with my consumer report immediately and permanently. 
Delete all other names, addresses, phone numbers, and employers listed on my consumer report. 

Thank you for your prompt attention to this matter. 
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 2024-03-06 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:
I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit reports and I spotted unauthorized and fraudulent inquiries. I have not initiated any transactions with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am writing to file a formal complaint against Regions Bank regarding the unjust hold placed on my account, which has severely impacted my ability to operate my business and meet financial obligations. The details of the incident are as follows :, I deposited a check in the amount of {$20000.00}, issued to me by one of my clients, into my account at Regions Bank. Unfortunately, the check was returned due to insufficient funds, and the bank charged me a return fee for this transaction. Subsequently, Regions Bank placed a hold on the funds in my account, preventing me from accessing the money needed to operate my business effectively. 

Despite providing all the documentation requested by Regions Bank to address the issue, including the original check and any other relevant information, the hold on my account remains in place, causing significant financial hardship. As a result, I am now behind on essential bills and expenses that I would have covered with the funds in my account. 

I find Regions Bank 's actions to be unjust and detrimental to my business operations. The prolonged inaction on their part has only exacerbated the financial strain I am facing. Therefore, I am left with no choice but to consider taking legal actions to address this matter if a prompt and satisfactory resolution is not provided. 

In light of the circumstances and the bank 's failure to address the issue appropriately, I request the following resolutions : 1. Immediate release of the hold on my account to grant me access to the funds necessary for operating my business and meeting financial obligations.

2. Reimbursement of any fees incurred as a result of the returned check and the account hold.

3. Closure of my account with Regions Bank and prompt disbursement of the remaining balance to me, including the funds affected by the hold. 

I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Regions Bank takes the necessary actions to resolve the issue promptly and fairly.

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