vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am victim of identity theft. The company has stolen my identity and have erroneously foreclosed on the property. They have filed false reporting at the IRS and I have been closed corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am victim of identity theft. The company has stolen my identity and have erroneously foreclosed on the property. They have filed false reporting at the IRS and I have been closed corrections.

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 2024-05-15 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: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 non-monetary relief
Consumer complaint received 2024-05-16 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: LA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I retired in XXXX of XXXX at the time I was a Suntrust Bank customer and that bank merged into Truist Bank so from XXXX until today I have been depositing my annuity check into my checking account. On Saturday XX/XX/XXXX I deposited my check through mobile up load and during the uploading process the phone stated that it didn't see my signature so I followed the prompts and took several pictures of the beck of the check because the face of the check was immediately accepted. I canceled the upload and started and this time, which was the second time it accepted my deposit. On Monday morning I looked into my account and a 7 day hold was placed on my check so I called the bank and was placed on hold for 3 hours so I decided to go to the bank. while enroute to the bank I called and left a voice mail to let XXXX XXXX know what was going on and by the time I arrived she had received information that my account was closed to deposits and my debit card had a warm hold placed on it and it will not work??? I advised her to look at my history with this bank, I have been depositing my annuity check in this bank for the last 24 years and nothing like this has never happened and please explain why? She advised me that all of my accounts are closed for the next seven days or until the investigation is completed??? I further advised her that I have to pay my bills and I'm going to pay late fees and I can't afford it ... the late fee for my truck note is {$74.00} and my credit cards are {$30.00} and I have 8 cards including my Truist card. To this date I have not been given a reason for this 7 day hold and I need to pay my bills???? I tried to call the administrative offices and I spoke to XXXX XXXX and she said that when I opened the account with Truist that I agreed to allowing them to place a 7 day hold on my check at anytime. I live from month to month on my pension check and this has created additional debt and no one can explain why and XXXX XXXX stated that Truist will not refund any of my late fees and I have to wait until XX/XX/XXXX before my retirement check is released!!! this is not right and I have not done nothing wrong! Please I need help! Thank you!

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 2024-05-15 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: NY

Complaint narrative:
I am formally disputing and requesting the prompt removal of this fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. What about you're bureau that keep reporting this account what action you are doing? 

I take a firm stand that you efficiently remove this fraudulent account from my credit report as the banks have already removed this from their record. Your swift attention to this matter is imperative.Additionally, I have reached out to the banks associated with the fraudulent account. 

XXXXXXXX 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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
This Debt and Account was closed by transunion. Please delete from my credit report completely. I will attach my evidence showing deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I took out the loan on XX/XX/XXXX for a XXXX XXXX XXXX, for the amount of {$35000.00} when I checked to see how much I have left on the loan it shows {$34000.00}. It will be a year and a half in XX/XX/XXXX. According to Credit acceptance, I have only paid {$1300.00} off the loan. The way the bank is going when my loan term is over I would still owe them money. I have made payments to Credit acceptance over {$10000.00} and it hasn't taken any effect on the car loan. They are ripping me off. I have made my payments but my balance isn't decreasing.The dealership also hid information from me by not giving me the contract and they signed the contract themselves.

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 2024-05-15 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: OH

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CO

Complaint narrative:
On XXXX a letter was sent to all 3 major CRA 's ( XXXX, Equifax, XXXX ) putting them on notice that I have noticed many errors on my credit report. Due to the ignorance of these companies they are in violation of 15 USC 1681 ( a ) which states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would like these all the deragotry accounts either fixed or deleted/removed from the consumer report. If not looked into and fixed then escalation to the federal level might need to be visited upon further investigation. These rules are here to protect consumers from deceptive tactics such as these which can lead to life changing events and not for the good should I say ( stress, XXXX XXXX, embarrassment, homelessness, loss of jobs/careers, low self-esteem, divorce, XXXX  ) all of which can be prevented ( at least on your part ) if followed. I would like my conditions to be met which you have received in this complaint, deletions/removals, financial remedies and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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:
I reviewed my Consumer Reports and noticed that I had ONE late payment on an Account that I was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ACCOUNT : XXXX  XXXX ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENT WERE LATE .IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD AS I WAS NEVER LATE THAKS.

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 2024-05-16 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had ONE late payment on an Account that I was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ACCOUNT : XXXX  XXXX ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENT WERE LATE .IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD AS I WAS NEVER LATE THAKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
My formal complaints are against Bank of America and XXXX. 


In XX/XX/XXXX, I left an XXXX  marriage. We had first been together in XXXX and married in XXXX. 
A large part of the abuse was financial, as he took control of all financial accounts and limited my access to funds and knowledge of the statuses. 

When leaving the marriage with my XXXX XXXX  children, I was ecstatic to be able to go and open my bank account at my previous banker- Bank of America. ( XX/XX/XXXX ) However, when I went to do so, I learned of an outstanding balance. Despite limited funds, I resolved the balance with the understanding that this would allow me to open an account. 

However, it did not because my account had been flagged for fraud. 
It was at that point, I was told it would take 90 days for it to be removed from XXXX, but that also was not true. 

Over the past 4 and a half years I have submitted multiple disputes with XXXX for the flag preventing me from opening an account be removed. 

XX/XX/XXXX & XXXX of XXXX, it has been disputed again. 

This does not include or limit the amount of phone calls I have made to both chexsytems and Bank of America. 

Being bounced from Risk & Fraud to Collections to multiple drop calls. 

The dates of when it would be removed have varied from 90days, 2years, the new year of XXXX and now as of XX/XX/XXXX. 

XXXX insists they need a letter from Bank of America stating it can be removed. 
Band of America insists they can do nothing. 

Both financial institutions have apologized for the " inconvenience '' by the customer service team and supervisors. 

XXXX was another account in which I was notified of, paid and were happy to send a letter to XXXX stating it should be removed. 

In these disputes I have provided proof of payment, proof of the divorce decree and evidence of the financial abuse as well as a police report. 

The act of keeping this marked as a fraud, the refusal to acknowledge despite a continuing act of financial abuse from the financial reporting institution XXXX and Bank of America.

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 2024-05-15 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: OH

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-05-15 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: OH

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
I ordered products from a merchant that I needed shipped by a certain time. The merchant still had not created the shipping label for the product by the promised time for delivery. I requested a refund via email and they stated they would initiate that refund via email that same day. Weeks went by and I proceeded to contact the merchant because I did not receive the refund after 15 days. I have sent multiple emails, direct messages on social media to no avail. I went ahead and filed a dispute with the bank and provided all documentation of my paper trail of trying to contact the merchant dozens of times, and them initially stating they will issue a refund. The bank denied my dispute regardless all of this and told me because it was due to an authorized transaction. I never told the bank it was not. I informed them that the product would not be to me on time, I was told I would get a refund and did not which is why I was disputing. After responding to their denial explaining to them that they need to reconsider because they have all the proof to honor my dispute, they told me that there is nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
All payments were made to company i have receipts of payments

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: PA

Complaint narrative:
Its in collections and it fraud

Company response to consumer: Closed with explanation