vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-02-05 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: FL

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 
Timeline of Events : 1. Account Opening - I initiated the account opening process at one of your branches.

2. Initial Follow-Up - After not receiving any communication regarding my account status, I contacted the customer service hotline to inquire about the delay.

3. Second Follow-Up - With no resolution, I visited the branch in person to seek assistance and was assured that the matter would be resolved shortly.

4. Subsequent Attempts- Despite multiple follow-ups via phone calls and in-person visits, the issue remains unresolved, causing frustration and inconvenience.

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference.

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within specified timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX XXXX Balance : {$140.00}. 


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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 2024-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 
Timeline of Events : 1. Account Opening - I initiated the account opening process at one of your branches.

2. Initial Follow-Up - After not receiving any communication regarding my account status, I contacted the customer service hotline to inquire about the delay.

3. Second Follow-Up - With no resolution, I visited the branch in person to seek assistance and was assured that the matter would be resolved shortly.

4. Subsequent Attempts- Despite multiple follow-ups via phone calls and in-person visits, the issue remains unresolved, causing frustration and inconvenience.

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference.

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within specified timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX XXXX Balance : {$140.00}. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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 2024-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Amazon.com still haven't provided refund for a purchase of a XXXXXXXX XXXX XXXX XXXX XXXX  that I made on XX/XX/2023. Amazon Order Number : XXXX in the amount of {$360.00} for product not received which required signature. 

I had previously filed a complaint with the Consumer Financial Protection Bureau regarding this matter ( complaint number : XXXX ), which was resolved in my favor. However, it was reversed by Synchrony Bank two weeks later without reason or merit Please read the cover letter, which will detail the events that led me to open a new complaint against both Amazon.com and Synchrony Bank. 

I filed a police report as per Amazon.com 's request, and I still haven't received my refund, even after submitting the requested police report to Amazon.com with the promise of a refund once the report was received. 

I kindly request the CFPB 's intervention once again to further address the continued challenges I am facing. Your assistance is crucial in ensuring a fair and just resolution to this matter. 

Thanks, 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 monetary relief
Consumer complaint received 2024-02-05 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: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-02-05 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: MO

Complaint narrative:
Attn : This is a new complaint, please do not discard as a duplicate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Equifax Dispute Department Subject : Formal Dispute and Request for Rectification Dear Equifax Dispute Department, I, XXXX XXXX, am writing to bring to your attention a critical matter regarding my credit report that requires immediate resolution. 

I vehemently dispute the presence of a XXXX XXXXXXXX XXXX XXXX account ( # XXXX ) on my credit report, opened on XXXX, last reported on XXXX, and charged off on XXXX with a balance of {$4800.00}. I want to clarify that I have neither authorized nor been associated with any business card from XXXX XXXX. It has come to my attention that this account may be inaccurately linked to my name, as I have never sanctioned such a joint credit arrangement.

Moreover, I am filing a formal complaint regarding the potential discriminatory and XXXX impact on my credit score by Equifax. Despite a commendable historical loan history, including payments exceeding {$100000.00} over a decade and maintaining nine open seasoned accounts with impeccable payment records, my credit score remains lower than justified. I request a thorough investigation into this matter to rectify any systematic biases affecting my credit score. 

Furthermore, I demand the immediate removal of hard inquiries made by XXXX XXXX. I find it unacceptable for a creditor, which I did not authorize, to access my personal information and credit profile. I have filed an FTC complaint ( # XXXX ) to address this issue, understanding that Equifax should recognize the significance of such government complaints in safeguarding consumer rights. 

As a consumer, I expect Equifax to honor my rights by expeditiously removing these inaccuracies from my credit report and protecting my standing. I trust that you will undertake a comprehensive investigation and take swift action to address these concerns. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-05 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:
This account states that I settled for less they put somebody else account on my credit report they lie I paid this accountant full. I have my receipts {$8.00} the {$9.00} is not in my account. This is fraudulent and illegal, and I will be seeking a lawyer and I will be suing,

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account with Bank of America has been closed by the bank, and I am requesting you to reopen it. I deny Bank of America 's claims that I initiated a payment of {$24000.00} on XX/XX/2023, resulting in a credit or negative balance of - {$24000.00}. I did not make this transaction online, and autopay was not set up. Upon noticing the payment, I immediately called Bank of America, and the agent confirmed that autopay was not configured. The agent advised me to stop the payment, which is why it was returned. 

Subsequent payments were also returned because my bank had placed a stop payment on all future transactions without my knowledge. Four payments, in total, were returned after that, leading to Bank of America terminating the relationship. This situation seems unreasonable, and I kindly request you to review it.

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This complaint is a follow-up complaint of the previous complaints ID XXXX AND XXXX. In the first letter dated XX/XX/XXXX, Ally Bank admitted that its online banking was down a lot that I could not make my bill payments. In that letter and the letter dated XX/XX/XXXX, Ally Bank denied that its online banking was down on purpose to discriminate me and treated me unfairly. In the letter dated XX/XX/XXXX and XX/XX/XXXX, XXXX kept saying they closed my accounts because I did not take good care of my accounts. HOWEVER, THE KEY HERE IS THAT XXXX FAILED AGAIN TO POINT OUT EXACTLY WHAT I DID WRONG TO MY ACCOUNT BESIDES I COMPLAINED IN THE PAST THAT THEIR ONLINE BANKING WAS DOWN A LOT THAT I COULD NOT MAKE BILL PAYMENTS. THIS PROVES THAT XXXX AND ALLY BANK ARE BIG XXXX LIARS. Ally Bank closed down all of my accounts just because they revenged that I complained a lot.

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 2024-02-05 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2024-02-05 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: TX

Complaint narrative:
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 : CFPB, XXXX, Equifax and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting.

Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be deleted from the report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CFPB, Experian, XXXX and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting. 

Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be deleted from the report. 

Thank you, 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