vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: NY

Complaint narrative:
I have tried to update my address, phone number and place of employment. The three credit bureaus have not updated current information. I also need to delete some past inaccuracies with the three 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 2024-10-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I noticed XXXX fraudulent transactions showing on my account [ ( 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 XXXXn or about XX/XX/XXXX, ONBE ( card issuer ; aka MyPaymentVault ) acknowledged receipt of my request for a fraud investigation regarding the XXXX listed charges. 

On or about XX/XX/XXXX, ONBE sent a message to me stating that their investigation was complete and that they had issued a fraud payment to me in the amount of {$74.00}. They stated that they found the charges at XXXX XXXX and XXXX XXXX  were made fraudulently, but that the charges at XXXX XXXX XXXX would not be reimbursed to me. 

On or about XX/XX/XXXX, I replied to the findings requesting to appeal the decision and to have ONBE ( XXXX ) forward all documents related to the investigation, ( XXXX ) provide details on how fraud was or was not determined in each transaction occurring from XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX, and ( XXXX ) re-open the investigation. 

Since my initial request to appeal, I have re-sent my demands several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CADENCE BANK
State: UT

Complaint narrative:
Beginning in XXXX XXXX XXXX I have made numerous requests to close my deceased father 's Traditional IRA account. My father 's name is XXXX XXXX XXXX and he resided in XXXX, FL. As the beneficiary, I have supplied 4 copies of his death certificate, 3 at the local branch on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 1 by certified mail on XX/XX/XXXX and 1 by email on XX/XX/XXXX. I have provided all documentation they have requested but keep getting told I need to go back into the branch to close the account. I live in Utah and the branch is in Florida. My last conversation by phone with the branch was that they could not close the account by phone and requested I email to " XXXXCadencebank.com ''. I sent a final email on XX/XX/XXXX, and still no response. Included in this email was a cover letter with direction to close the account by mail, copy of death certificate, copy of trust account showing me as his Successor Trustee, copies of written distribution request from each beneficiary ( 3 of us ) notarized and included copies of all drivers ' licenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-15 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: MS

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Bureau I am writing to formally dispute certain inaccuracies on my credit report that I obtained from your agency. My report contains the following erroneous information : [ Description of the item you are disputing, including account number, creditor name, and specific inaccuracies ] This information is incorrect because [ explain why the information is inaccuratee.g., it is not your account, it is outdated, etc. ].

I have enclosed copies of relevant documents to support my claim, including [ list any documents you are including, such as statements, payment confirmations, or identification ].

According to the Fair Credit Reporting Act, I request that you investigate this matter and remove or correct the inaccurate information on my credit report. Please confirm receipt of this letter and provide me with the results of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: Netspend Corporation
State: NY

Complaint narrative:
I received a letter via mail to my home address under my name. Inside the envelope was a debit card assigned to me that I never heard of or authorized to be opened. When I called the company that sent it to me, they asked me to verify information such as username that I don't know since I wasn't the one who opened the account, but whoever did, has my information. After going in circles with them, they finally told me the account was closed and confirmed it was opened online and to report it as identity theft. I asked if they can forward me something in writing and they said they couldn't without a police report and a picture of my ID which I was hesitant to do. There is a bank associated with the debit card that is also opened in my name. I already put a block on my credit to avoid attackers from opening more cards under my name, however, it seems that they can still open debit cards under my name. I need to put a stop to this as soon 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge OFf : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Good afternoon documented message for XXXX XXXX. My name is XXXX XXXX. I'm contacting you from isg processing. I'm actually trying to get in touch with you in regards to an address verification. I have here on a certified document delivery. This is actually scheduled to be taking place this Thursday, XX/XX/XXXX. We have to the XXXX XXXX XXXX XXXX, and they are attempting the XXXX XXXX XXXX XXXX now with this delivery. You do need to be present with the form of photo ID to sign. It is not something that can just be left at the front door or even at your mailbox. I do also show the paperwork being sent out to the place of employment this morning with that delivery that one directly to the HR department and payroll, so you did not need to be present for that part. If you're looking for like an emergency reschedule or any additional information. Please contact myself at XXXX. Or you can also contact the filing party. They can actually be reached at the number of XXXX there is no lawsuit or debt. I called back and they said I would be arrested if I dont pay

Company response to consumer: Untimely response
Consumer complaint received 2024-10-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
I was never late. Attached is the proof of deferment and approved. And also XXXX of XXXX, the collateral car got totalled due to being hit while its parked. Insurance paid them off. The paid off date shouldnt be XX/XX/XXXX. And the company and insurance communicated about this.

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 2024-10-15 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-15 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: CT

Complaint narrative:
I noticed multiple billing mistakes on my credit report, showing late payments that don't align with my regular payment history. Please fix these errors and update my account. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Failure to Respond to Dispute Request - Immediate Removal of Accounts As of today, these companies have failed to respond within the legally required 30-day period. Under FCRA 611 ( a ), creditors and data furnishers are obligated to investigate disputes and notify credit reporting agencies of the results within this time frame. Given your failure to comply with federal law, I now demand that you immediately remove this item from my credit report. If this issue is not resolved within 10 days of receiving this letter, I will take further action, pursuing legal remedies for damages. I expect a confirmation of the removal of these accounts. Should you fail to act promptly, I will have no choice but to escalate this matter. I trust you will act swiftly to rectify this situation. 


XXXX XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX XXXX  XXXX XX/XX/XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights ; under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
CREDITACPT Installment account with account # XXXX opened on XX/XX/year> and a balance of {$6500.00}. This vehicle was repossessed without contacting me about my option with Arbitration Clause I never mailed or rejected the Arbitration Clause per my contract and was never given the opportunity to save my vehicle, Not my signature on contact. This is clear violation of the Federal Arbitration Act, Any Dispute, as defined in your retail installment contract, remains subject to the Arbitration Clause in your contract. To the extent there is a Disagreement related to these terms and conditions that is not a Dispute, as defined in the retail installment contract, the parties consent to the exclusive jurisdiction of State and Federal Courts for XXXX XXXX of XXXX, Michigan, United States, for the determination of any claim or controversy between the parties and arising out of or relating to these Customer Portal Terms of Use. Both parties hereby consent to the jurisdiction of the Michigan Courts and waive any objections as to personal jurisdiction or as to the laying of venue in such Courts due to inconvenient forum or any other basis. This Agreement shall be deemed to have been made in the State of Michigan, United States of America, and shall be interpreted, and the rights and liabilities of the parties hereto determined in accordance with the laws of the State of Michigan, U.S.A., without regard to conflicts of law principles.

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 2024-10-15 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
They are three financial that are reported to my hard inquiries that i dont know nothing about, here they are : XXXX XXXX XXXX XXXX that was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX  ) that was reported XXXX XX/XX/XXXX I would like to report this and get a report from the fraud department so I can be able to remove this from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I remotely deposited my paycheck into my BMO account. I forgot my online password and tried to reset it, but I could not. I called them to reset it, and they locked me out of my account. They transferred me to the fraud department, at which time I explained that this was my paycheck and that I would need access to my funds. They told me they were investigating it and it would take 14-31 days to resolve. Again, I explained that I have bills to pay and mortgages to pay, and withholding that for that long would be a problem. They said they could not help me and that an analyst would need to look at it, and it may take that long. There was nothing else they could do. I have not used this account very much, but it has been open for a while ( longer than 30 days ). 

I want to access these funds, and I have read that they can not withhold my paycheck for more than five business days, generally 2. I have not had any returns in this account and feel this is causing undue hardship.

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 2024-10-15 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-15 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been notified or deleted from the file of the consumer. 
Please remove the following inquiries from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft as there is an item on my credit report that have resulted from fraud to which I never benefitted from. I have reported this to the federal trade commission but it is not removed from my report which is causing me stress and anxiety wondering how could this have happened, it is affecting my life negatively.

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 2024-10-15 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: CA

Complaint narrative:
There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.

Company response to consumer: Closed with explanation