vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted XXXX, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX. 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name open fraudulently. My information was used to obtain financial goods and or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as a result of alleged identity theft. Also, 15 US code 1681 section 604 alpha Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received instructions from me, nor did they obtain permission or have my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my Consumer Reports immediately.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name open fraudulently. My information was used to obtain financial goods and or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as a result of alleged identity theft. Also, 15 US code 1681 section 604 alpha Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received instructions from me, nor did they obtain permission or have my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my Consumer Reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
I have a joint account with my wife. We both attend XXXX XXXX XXXX XXXX. We both received checks from our college, totaling {$6100.00}. They said, the money will be deposited tomorrow morning. My wife woke up in the morning, saw the money in the account, and spent {$920.00} to pay our bills. Then, suddenly, the rest of the money was gone. Its weird since we only spent {$920.00} and yet we were at a negative balance of {$920.00} in our bank accounts. When we called them, they said, we have a legal hold on the money. You should call the fraud prevention department. When we called the fraud department, they werent making any sense ; they were acting like they had no idea what was going on. We called four different numbers and asked when our money was coming because we have a newborn and a toddler to take care of. They all gave us different answers : the XXXX person said XXXX  days, the XXXX  said XXXX  days, and the XXXX  person said until Tuesday, which is XXXX  days from when we deposited the check. 

All I want is for them to explain it to us professionally and clearly about whats happening. At least I want them to be honest. My wife and I felt discriminated against since we are both XXXX ; Im XXXX and shes XXXX. I dont want to play the XXXX XXXX ; I dont think Im XXXX, and I dont think everyone is XXXX. But I feel like because of our XXXX  and income, they think we will make a fake check and commit fraud, which bothers me. The reason why our income is low is that we are XXXX XXXX  and only work part-time. We really depend on the money our college sends us to help us financially. 

You will never see a check as real as the one we gave them. Our college uses XXXX  XXXX XXXX checks, and XXXX is a very large bank ; they should know how to detect a XXXX  XXXX XXXX check. Our check name matches our ID name. It has our college address and phone number. The check has all the information provided to prove it is real. There is no need to hold it for too long ; we need the money now. My wife couldnt pick up her car at the mechanic shop because it costs {$3000.00} to fix her SUV. Thankfully, after explaining it to our mechanic, he said he doesnt mind letting us leave our car until we get the money They also locked my wife out of her account, so she couldnt log in. When she called customer service, for some reason, they helped her log back in.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, I disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from appearing on my credit report however, it was not removed from my credit report. 

On XX/XX/XXXX, I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. However, It still was not removed. 

On XX/XX/XXXX, at approximately XXXX XXXX XXXX I spoke with XXXX at Experian to ask how they verified this information. XXXX stated that Experian verifies this information with the Courts. 

I have a letter from the US Bankruptcy Court stating that the Court does not report bankruptcy information to credit bureaus.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These addresses need to be removed they are over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX This is my employer from high school and needs to be removed US ATTORNEY OFF My current employer is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XX/XX/XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX S.S : XXXX XXXX XXXX DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear DISCOVER BANK XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete. Credit information. 
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through the physical verification of the original signed consumer contracts any and all accounts you post on a credit report. Otherwise any one paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file for appended accounts listed below. 
XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Alleged account name and alleged account number, I am requesting a re investigation and verify that all the data for this alleged account is 100 percent accurately reporting correctly including every notation dates and balances whether they are currently reporting or not. 

Under federal law you have thrifty ( 30 ) days to complete your re-investigation .be advised that the description of the procedure used to determined the accuracy and completeness of the information is hereby requested as-well to be provided with fifteen ( 15 ) days of completion of your re investigating, Thank you for your prompt assistance in this matter. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
On XX/XX/2024 Berlin Wheeler Inc Places a collection account for {$610.00} on my XXXX. And XXXX  credit report I Reached out to. Berlin Wheeler on XX/XX/2024 and sent them a verification of Debt And Berlin Wheeler have not respondedTo my request. So I reached out to.Berlin Wheeler to see Why they have not remove the collection account from my credit report? I spoke to one of the representatives. They asked me to do a XXXX And they reply once they receive The response they will delete the collection account immediately.from my XXXX and my XXXX  credit report I did the report on XXXXwith XXXX And the response came back on XXXX XX/XX/2024 with XXXX XXXX XXXX Report number # XXXX That I did not have any XXXX XXXX account with them and I sent a Police report to Berlin Wheeler Inc And they still refuse to remove this collection account from my credit report. 
So that's why I'm reaching out to CFPB to resolve this matter. 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 2024-03-07 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: SC

Complaint narrative:
It is showing bankruptcy dismissed and it is not I am currently in it my payments were deferred during the pandemic as I lost my job due to the Covid pandemic in 2020 it started back up and I have been paying ever since how do I get this off I can never rebuild my credit with this on it it looks like I did not pay it and that is simply not true my attorney gave me this website for me to go on and try to get it cleared up

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE OF. I PREVIOUSLY WORKED A SERVICE INDUSTRY EVENT WHERE MY WALLET WAS TAKEN THAT INCLUDED MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. 
I CONTACTED THE CREDIT REPORTING AGENCY REQUESTING VERIFICATION, ANF THE ACCOUNTS ARE UNVERIFIABLE. THESE ACCOUNTS BEING PLACED ON MY ACCOUNT ARE SEVERELY IMPACTING MY CREDIT I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THESE ACCOUNTS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE OF. I PREVIOUSLY WORKED A SERVICE INDUSTRY EVENT WHERE MY WALLET WAS TAKEN THAT INCLUDED MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. 
I CONTACTED THE CREDIT REPORTING AGENCY REQUESTING VERIFICATION, ANF THE ACCOUNTS ARE UNVERIFIABLE. THESE ACCOUNTS BEING PLACED ON MY ACCOUNT ARE SEVERELY IMPACTING MY CREDIT I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THESE ACCOUNTS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-07 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: NY

Complaint narrative:
I checked my credit profile and came across inquiries that do not belong to me.

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 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: AP

Complaint narrative:
There are many dates the latest one is XX/XX/2024. They have my social security number. This time it's a Check N Go payday day loan. As I said I have lived in the XXXX for XXXX  years and never went back to XXXX. These people are scammers with fake websites. They called me last night. When I answered am I speaking with XXXX XXXX I said yes, and then they called out my social security number. Now at that time, I am scared of what could happen to my accounts. I said to him is there anything else I needed from you. He asked what mean and I said I thought you people would be in jail by now. He said that's what he going to do to me. I said I reported you to the FBI and Federal Trade Commission and he hung the phone up on me. The number he used to call me is XXXX website www.checkngo.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  - Date : XX/XX/2022

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have contacted all three credit bureaus and notified them that the personal information reported is incorrect along with a copy of my social security card, identification, and a current utility bill. With the amount of identity the going on, I am very fearful that someone could mistakenly. 
identify me as someone else with this incorrect information on 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have contacted all three credit bureaus and notified them that the personal information reported is incorrect along with a copy of my social security card, identification, and a current utility bill. With the amount of identity the going on, I am very fearful that someone could mistakenly. 
identify me as someone else with this incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit Bureau took more than 30 days to complete my investigation

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove these deceptive accounts from my credit report as I never authorized their use. Kindly eliminate this incorrect 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